vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ABSRES INV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

WORLD FIN XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX MIDLAND CRED XXXX MIDLAND CRED  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BUREAUS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dates from 2019 til now from same institutions over and over

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Dates from 2019 til now from same institutions over and over

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX promoted Comenity Capital operating under the name ( or doing business as ) XXXX XXXX and their 6-month interest free credit card never telling me that after 6 months, Comenity Capital would charge back that 6 months of free interest. 

Once I realized this, I paid off the outstanding balance immediately but Comenity continues to hound me for this 6-month " free '' interest. 

They have contacted me repeatedly and have also contacted several of my relatives repeatedly, as well as current and former employers. This borders on harassment in my opinion. I called Comenity on XX/XX/2021 and told them to stop calling my relatives and current and former employers. I also asked them for the state in which they are incorporated, and they could not tell me. I also asked for their Agent for Service of Process, and they would not give me that information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Regarding the other two cards were eventually closed by Chase Bank- only after submitting a complaint here. That XXXX card is still opened/never received/never requested. Close ALL accounts Chase. They don't seem to understand, I have no interest in doing any business with them! Please CLOSE this frivolous account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: IN

Complaint narrative:
the collection company As Nation Wide Recovery calls me on the phone with a new number after blocks. 
I am very tired of their tactics. they change the block number. 
I have insurance XXXX XXXX XXXX XXXX and the bills are covered through my decease husbands benefits as a his wife. 
I am a senior I don't have large money for what my insurance leaves over. 
the Collection agency has the same multiple bill on my credit report repeating the same amount as to destroy my credit. 
my complaint is harassments using my credit report repeating one bill 4 times or more on my credit report. 
They have 2 bills making it look like 8 bills owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
In XXXX of 2021 I received a court document from a collection agency stating that they had served me they had gone to court behind my back and they won by default. I was never served in any way shape or form I was never notified by this collection agency I don't know what the debt is for where the debt came from or even if the debt is mine. The three pages of the Court docs didn't include the name of the original debtor the name of the person that I owe the debt and when the last payment on this supposed to get was made which means I don't know if it's mine where it came from and it is more than likely a time-barred debt. Since they won by default because they falsified documents and they serve me when they didn't I'm now on the hook for almost {$5000.00} which I don't know and I don't know how to fight it. I need help ASAP before deleting my home or if they try to garnish my husband 's wages we would not be able to make our mortgage payment and we would lose our home. I never received all the full court documents and if you'll notice on the image I attached the page that is supposed to provide the original debtor how much does XXXX on the last payment was made with never filled out it was incomplete. They did not provide me with any of their evidence to prove to the court that I guess it wouldn't have to because I knew I wasn't going to show it because I wasn't served so they knew they were going to win by default

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? XXXX is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual. 

To create a new password : 1. Go to XXXX and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. 

Not sure why you received this email? Learn more Copyright XXXX XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX XXXX XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Hello Before I file formal complaint with the FDIC XXXX XXXX XXXX and whoever else will listen my name is XXXX XXXX, I have a personal checking account with Chase Bank. My teenage son just started working, and I ran a {$340.00} paycheck throu 3 weeks ago that was cashed and released immediately. I put a second check in, {$770.00} that they have been holding since the deposit was made saying it would be released the XXXX th of XXXX. Now they are saying they're going to close my account if I don't go to a local branch to show my son 's ID which he doesn't have yet because his money had been held since he was paid, and the local branch for is is over an hour and a half away. What is going on with your bank. I would like some answers ASAP. I have been doing business with your bank for years and this is the worst customer service I have ever had. You can't cash one check and not another from the same person same account. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
In 2017 I was contacted by a company called XXXX about installing XXXX in my home. 

They recommended Enerbank to do the financing, I was told that total would be about XXXX And no money would be paid out until I signed off that the installation was complete. A date was set for the work to be signed off on the day before that date the bank contacted me to sign off that the work was complete. As they installation was not completed I did not sign The equipment was taken off my wall and roof and EnerBank started contacting me for payment on XXXX. I asked them to send me a complaint form to no avail. I was told that they were closing my case. They started messing with my credit, also my wifes credit they have dropped our scores by as much as 30 points

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? XXXX is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual. 

To create a new password : 1. Go to PayPal.com and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright 1999-2021 XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX : XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received the following email the other day that reminded me that I had an open account with XXXX not that long ago ( much less than 7 years ago ) so why doesn't it show up on my credit reports? Equifax is still blocking my access to my own account ( apparently someone has changed my personal history so much that I can no longer prove who I am ) Anyway, here 's the email ; XXXX XXXX, we disabled your current password for security reasons. 

Hello, XXXX XXXX XXXX Please create a new password At XXXX, safety and security are our top priorities, and we routinely monitor accounts for any suspicious activity. We spotted something unusual, and as a precaution, we disabled your password. Dont worry, your account is fine. You just need to create a new password to continue using your account as usual.

To create a new password : 1. Go to PayPal.com and click Log In.

2. Click Having trouble logging in?

3. Create a new password thats unique to your account. Make sure it hasnt been used before and is hard to guess. 
Once you've created it, your new password is effective immediately. If you have any questions, please contact us. 

XXXX Help & Contact | Security | Apps XXXX XXXX XXXX XXXX XXXX is committed to preventing fraudulent emails. Emails from XXXX will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact.

Not sure why you received this email? Learn more Copyright 1999-2021 XXXX, XXXX All rights reserved. XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX : en_US ( en-US ) XXXX : XXXX So, apparently the account is still open, but I have no way of accessing it, but apparently someone else does. Who is the criminal here? The credit reporting companies? Someone stole my identity and then reported 'incorrect ', info and got my own name off of my own account? I still have an outdated credit card from XXXX, but the other person apparently has possession of the other card. Most importantly is that I receive monthly government assistance which I received via XXXX XXXX, from which I often loose funds from, apparently, due to this very same individual, this person must have another card to my account, an account that I have now, except for the debit card itself, I have been locked out of, and apparently, because of this other individual 's address I am blocked from changing the financial institution that handles my government Social Security funds.

Company response to consumer: Closed with explanation