vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I have credit monitoring and received an alert that there was a collection account placed on all 3 of my credit reports in the amount of {$100.00}. I called Credit Collection Serv to inform them that I had no knowledge of this account and further, that I had never received notification of this account in the mail or otherwise prior to them putting it on my credit report. They told me the account was for an insurance policy with XXXX. I told them I do not have insurance through XXXX ; my policy is with XXXX. The vehicle they told me the policy was for, I do not own. I demanded they remove this notation from my credit report, but they have failed to do so. I am not sure which is more concerning : having a collection in my name for a car that I do not own, or having an account pop up on my credit reports with no prior notification of the account, in violation of the FCRA. This account needs to be removed from my credit reports ASAP as it is currently impacting my ability to obtain credit and is a FCRA violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: FL

Complaint narrative:
Equifax is reporting a hard inquiry on my credit report for XXXX XXXX XXXX dated XX/XX/2018. I have not applied to any credit for XXXX XXXX XXXX. This inquiry is due to stolen identity or other matter not involving me. 

I have reported this problem to Equifax on several occasions and their reply is always that I should contact XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have sent various letters to XXXX XXXX XXXX at that address above provided by Equifax and the letters get returned to me as not deliverable. See attached copy of letter returned to me by the USPS. I have called the phone number above provided by Equifax for XXXX XXXX XXXX and that number is disconnected. 

The address for XXXX XXXX XXXX in Equifax 's hard inquiry is not a valid address according to the USPS and the phone # is disconnected. 

I have contacted Equifax several times via complaints here and via phone and the reply is always the same one as stated above.

Equifax is therefore providing me with FALSE information about the XXXX XXXX XXXX inquiry. Please have Equifax remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER 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 2019-09-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER 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 non-monetary relief
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
Diversified Consultants is trying to collect {$200.00} on behalf of XXXX. My XXXX account number was XXXX. At issue are two distinct matters : ( 1 ) Internet service and ( 2 ) wireless service. I do not owe anything since I canceled both before usage due to the fact that the Internet service never worked and the wireless service was never requested or agreed to and was unwanted.

Internet Service I contacted XXXX last year to request Internet service. XXXX mailed out equipment. The equipment never worked. I called XXXX tech repeatedly but they were unable to solve the problem. I quit XXXX Internet and went to a different company. Because I never had XXXX   Internet service, I incurred no financial liability whatsoever.

XXXX invoices falsely suggest ongoing Internet service. In fact, XXXX never provided Internet service.

Wireless Service During the phone call in which I requested Internet service, the XXXX representative said he would mail out a free computer tablet. This was completely unsolicited and unwanted. It was portrayed as a gift.

This agent never mentioned that he was going to open a wireless account in my name and start charging for it. I NEVER requested wireless service or the free tablet. Both the Internet equipment and the computer tablet were returned. XXXX began sending invoices alleging I owed {$200.00}. This was clearly erroneous since the Internet service never worked and the wireless service was completely unwanted and unused.

I disputed these charges on the XXXX  website. I checked my account on the website regularly until ultimately the account stated XXXX balance. At that point I thought the matter had been resolved. I was astonished when XXXX contacted me stating that my FICO score plummeted because of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : CAPITAL ONE - XXXX**** I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Alright this started at wells Fargo when I was gon na do work for a company and he paid me but then a week later he pulled the funds back and I had to pay back outta my XXXX check. Then my account was closed. Then I got a account at XXXX XXXX  and this loan company put several checks that were bad and then chase closed my account when I still had charges on my account that weren't mine and was even waiting on some returned items to pay me back my money. Then I went to XXXX   XXXX   and the same loan place messed with my account so it got closed. I dont know how much money has been taken but it substantial. They need to like take this seriously cause it isn't right. They even forged a treasury check and forged my signature. They even put bad Mark 's on my credit score.

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 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I GOT AN ALERT THIS MORNING FROM MY CREDIT MONITORING COMPANY THAT EQUIFAX THE XXXX THAT THEY ARE HAVE NOW PLACED 3 ILLEGAL OPEN INVESTIGATIONS ON MY CREDIT REPORT AND PLACED THE ILLEGAL STATEMENT OF " CONSUMER DISPUTES-REINVESTIGATION IN PROCESS '' THIS IS WHAT HAPPENS WHEN THIS CHEAP, ILLEGAL COMPANY SENDS ALL INFORMATION TO A FOREIGN REP IN ANOTHER COUNTRY THAT CAN BARELY SPEAK ENGLISH AND CAN NOT READ ENGLISH EITHER. 

I AM ATTACHING PROOF OF THEIR ILLEGAL REMARKS AND ILLEGAL INVESTIGATIONS. I NEVER ONCE REQUESTED AN INVESTIGATION INTO ANY OF THESE ACCOUNTS BUT THEY DO THIS OVER AND OVER AND OVER AGAIN BECAUSE THEY ARE TRYING TO INTENTIONALLY HURT ME BY PUTTING THESE FALSE STATEMENTS ON MY ACCOUNT. 

1. XXXX XXXX/XXXX ( THIS IS A STUDENT LOAN THAT IS NOT EVEN HANDLED BY THIS COMPANY ANY LONGER AND HASNT FOR YEARS AND WAS IN GOOD STANDING SO WHY WOULD I CHALLENGE THIS '' 2.  XXXX XXXX ( 2 ACCOUNTS ) BOTH CLOSED AT MY REQUEST, AND BEING HANDLED BY A DEBT MANAGEMENT COMPANY AND PAYMENTS ARE ON TIME SO WHY WOULD I DISPUTE THIS? 

EQUIFAX DOES THIS OVER AND OVER AGAIN AND IS HURTING ME. WHY DOES THE CFPB ALLOW THIS TO HAPPEN OVER AND OVER AGAIN. EUQIFAX IS DOING THIS TO RETALIATE AGAINST ME FILLING COMPLAINT WHICH IS MY RIGHT. 

THEY ARE IN PURE VIOLATION OF THE FCRA BY CONTINUING TO PUT THESE ILLEGAL REMARKS AND OPEN INVESTIGATIONS ON MY CREDIT REPORT AND I AM DEMANDING THAT IT STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
For reasons I am not aware of, Chase recently closed down my account, but I did not do any such thing for which Chase should close down my account. I managed my account properly and did not commit any abuse of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX  - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-09-29 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
Asked for removal of unauthorized Hard Inquiries on my XXXX file from : Americredit Financial Services, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX CXXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There is a card reporting on my XXXX credit report for Bank Of America in the amount of {$9300.00}. I have NEVER applied for a Bank of America Card. I've told Bank Of America, XXXX   and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both Bank Of America, XXXX and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.

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 2019-09-29 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have multiple issues with a XXXX XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I don't remember opening this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I started paying on the account because I'm unsure of what to do. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month. I've sent for a letter of validation and I'm just told it's verified and I owe it. They can not produce a signed document with my name on it.

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 2019-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a card reporting on my Experian credit report for XXXX  XXXX XXXX in the amount of {$9300.00}. I have NEVER applied for a XXXX XXXX XXXX Card. I've told XXXX XXXX XXXX, Experian and now the Credit Collection Company that this is NOT my card. I was a victim of Identity Theft. This is still showing up on my credit report and NO ONE has reached out to me to resolve this issue. I have sent over 10 letters to both XXXX XXXX XXXX, Experian and the Credit Collection Agency XXXX XXXX XXXX. This needs to be removed IMMEDIATELY from my credit report. I am a senior citizen and hardly speak any English. Every time I have to call or dispute something I have to have a neighbor help me. This is against the FTC rules to report incorrect information on someones credit.

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 2019-09-29 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Asked for removal of unauthorized Hard Inquiries on my XXXX   file from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX Hyundai Motor Finance Corp, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.

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 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Macy 's Credit Collection department started calling me on a new account that was just established 3 weeks ago. Macy 's started calling my phone on Saturday XX/XX/XXXX and according to them the account today Sunday XX/XX/XXXX is only 8 days past due, so when they started calling me on XX/XX/XXXX the account was only past due by 1 day. 

I opened the account three weeks ago and I pay all my bills on the XXXX of every month or generally the weekend before. Macy 's doesn't know this ; but they are calling me over 12 times per day and the first calls start as early as XXXX XXXX ( as the call on Thursday XX/XX/XXXX ). They are calling with a blocked or unidentified caller id and while that is not against CFPB or Collection regulations ; the FCC suggests that no one answer blocked, unidentified calls or even calls from numbers you do not know who they are because of scamming and bad people. So what about any of these practices are good. 

Macy 's credit collection practices are breaking collection guidelines by calling more than 4 times per day and calling before XXXX XXXX during the week. This morning the calls started at XXXX XXXX according to my caller ID. I want this account paid in full and cancelled and I will never - ever shop at Macy 's again. 

XXXX 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 monetary relief