vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier Collection Agency has been contacted regarding XXXX debts for the same amount {$1200.00} that appear on my credit. I have disputed these discrepancies Several times. When I ask how they verified the debt I get the run around. I spoke with XXXX and I told her to verify the info since she knows its mine. And she refused my answers and proceeded to call me a liar and tell me I am being untruthful and she will be requesting my personal info from the original creditor. I explained to her that at the point of reaching out to their offices my next best option was to file a complaint. This is my 3rd time telling them this is not my debt and they have yet to produce anything or send anything proving to me. They just keep calling. I am a single mother who left a XXXX XXXX situation. I dont have alot of resources and I work XXXX jobs to make ends meet. The area I live in isnt safe and the cost of living keeps creeping up. So I would appreciate this debt being removed from my record as it is not mine and all it is doing is hindering me from bettering my life for the sake of my children. Please assist me with putting this matter behind me and having this company stop harassing me over XXXX debts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Self Financial Inc.
State: NC

Complaint narrative:
I have reached out to the creditor " Self Lender '' in regards to a FCRA VIOLATION with a closed account. The creditor is not reporting the SAME INFORMATION ACROSS ALL 3 CREDIT BUREAUS. All 3 reports show different information. This is a FCRA violation and a violation to my FCRA rights WHICH DEMANDS REMOVAL OF THE ACCT!! I have sent valid proof of this issue and the creditor still failed to comply to CORRECTION. By law due to these violations the account must be removed from the credit reports! I HAVE DISPUTED THE ACCT AND STILL DID NOT GET THE CORRECT RESOLUTION. 


MY PAYMENT HISTORY SHOWS TOTALLY DIFFERENT ON ALL 3 CREDIT REPORTS! 
ON XXXX IS SHOWS NO PAYMENT HISTORY AT ALL!!! >>>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PAYMENT HISTORY FROM XXXX. THE ACCOUNT CLOSED IN XXXX IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

ON XXXX IT ONLY SHOWS PARTIAL PAYMENT HISTORY.>>THIS IS A FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DATES OF LAST ACTIVITY ARE ALSO DIFFERENT ON THE REPORTS>>THIS IS ANOTHER FCRA VIOLATION DUE TO INACCURATE REPORTING. 

THE DOCUMENTS ATTACHED SHOWS VALID PROOF OF ALL THESE FCRA CREDIT VIOLATIONS DUE TO INACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WV

Complaint narrative:
I closed my credit card account on XX/XX/XXXX. I paid a {$500.00} deposit to secure my credit card credit limit via electronic bank transfer on XX/XX/XXXX. My account is paid in full with the last payment posting to my discover card on XXXX XXXX, XXXX. My balance is at {$0.00}. The company is refusing to refund my {$500.00} security deposit and saying I have to wait two more statement cycles and then they will mail it back via paper check. This is absolutely absurd. If I am 30 days late on my payment I am charged a late fee and my credit rating is affected negatively ; however, this financial institution thinks they're entitled to 60 days to refund my deposit and then additional weeks to mail it by check, and isn't compensating me or paying any interest to me for the extended delay for holding on to my money. I want this matter resolved in a timely matter and want the security deposit funds deposited via electronic bank transfer back to the XXXX XXXX account on file with them that the funds came out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof and included the enclosed court house affidavit signed by the court house clerk XXXX XXXX XXXX that the method you used to allegedly verify this item was invalid. I ALSO ATTACHED A LETTER FROM XXXX Item in question : U.S Bankruptcy - XXXX I sent you notice that your process was not valid due to me going directly to the court house and XXXX and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing another complaint with the CFPB and the Attorney General, against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

Please delete this unverified information as you may have mix/merged my credit file. 

Best regards, XXXX XXXX

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 2022-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, JPMCB AUTO, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted all the companys that and auto dealer ran my credit without me even knowing or in the market of purchasing and auto this happened all in XX/XX/XXXX with XXXX XXXX in XXXX XXXX California Second was XX/XX/XXXX XXXX XXXXl Third tried same day XX/XX/XXXX with XXXX XXXX XXXX. Theres a four tried with same dealer date XX/XX/XXXX again with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX again with XXXXl XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX does not have a record of our original contract and is trying to collect {$5400.00} on a membership which we quit back in XXXX XXXX XXXX 

The issues are that the card that was being automatically charged had been closed due to fraud, and also the home phone line was discontinued as we were no longer using the hard-wired telephone and transitioning to an all mobile phone plan. XXXX claims that they left messages, which can not be done to a phone line that has been discontinued, and also that they sent emails, which they are not able to provide us with proof of said emails. And there were no hard copy statements mailed to our home, less than XXXX mile away from the XXXX location. 

Additionally, I personally visited with staff to discuss the issue because my ex-wife had claimed that they were rude to her on the telephone to offer a resolution just to remove this scar on our credit report, offering an amount of {$2000.00} to make the problem go away, and this was refused. At this meeting, the person in charge of memberships stated to me that there was a lapse in accounting methods at the club because of a transition to a new accounting software. Also at this meeting, this same person looked into whether any of my family 's membership fobs had registered at the front desk after XX/XX/2016 and could not find any member log ins into their system. I was offering the {$2000.00} as a good faith gesture but am now incensed and will fight the collection claim as I see it as bad business practices, extortion, and an attempt to defame our credit. 

You will note on the member profile billing office pages that they have the incorrect email address " XXXX '' identified, perhaps this was the issue why no emails were received as the proper email address is " XXXX ''. The email was misspelled and perhaps this happened in the migration to the new software. 

I believe that if there was an inquiry audit into the bookkeeping and collection practices at XXXX XXXX XXXX XXXX, that there would be ample evidence of bullying, poor record keeping, horrible or non-existent customer relations and communications, bad business practices, and defamation of credit to their past members who have left the club. 

The attached paperwork sent to us, along with the amount due, does not display one communication letting us know that our debit card was not successfully paying the amount ( after the fraud occurred and we were issued a new card ), there are not hard copy letters of communication about an amount due with our home address on them, and there are no copies of any emails sent to us. And, they do not have our original contract on hand. 

Sincerely, Unsatisfied Customer

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I got hurt at work and was put on workers comp in XXXX of XXXX. I told them that it happened and asked them to lower the payments or work with me til I get back to work or get a settlement to pay off the car. They told me no they couldnt, I asked if we could refinance it since I had it over a year and was told no on that as well. I got hung up on multiple occasions trying to work it out. They were just no help. It was my only car for transportation and left me with no vehicle to get to my appointments and stuff I had to do. So I have been trying to get rides to all of that. I then called them about the voluntary repo since they werent going to work with me. Got hung up on again. Then they would call me everyday just asking about the payments that were due. I told them that I was trying to do the voluntary repo. They would transfer me to someone and get hung up on. Tried doing the voluntary repo in the beginning of XXXX and never got a response from the company to get it. Finally got through to do a full conversation of the situation and they told me they cancelled the voluntary and were making it a repo from them. Finally got the car picked up yesterday XX/XX/XXXX. Long story short I wanted to keep the car I tried every way possible to keep from hitting my credit and messing my life up more when Im already in a bad spot with workers comp and now possibly being permanently XXXX. I was fully honest and let them know everything I was going through and the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2019 a late payment was incorrectly reported to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.

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 non-monetary relief
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.

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 non-monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have reached out to NATIONAL CREDIT ADJUSTERS twice regarding an account with XXXX XXXX and XXXX XXXX I told National Credit Adjuster and XXXX XXXX several times, this account does not belong to me. National Credit Adjuster is still reporting false information to my credit report. They can not find me with documentations to show it was me such as a signed statement owning the account. Everytime I call, the agent has a very nasty attitude with me and being very forceful and threaten to sue me if I do not pay an account that does not belong to me and they wont send me proof that this account is mine. 

For XXXX XXXX, I have asked them for XXXX XXXX contact information and they are claiming they do not have it. I do not understand if you own this account, why you do not have the XXXX XXXX contact information. I googled XXXX XXXX customer service number, they can not find an account that belongs to me. NATIONAL CREDIT ADJUSTER IS A SCAM AND TRYING TO STEAL PEOPLE MONEY AND INFORMATION.

Company response to consumer: Closed with explanation