vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXXXXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Penn Credit Corporation
State: PA

Complaint narrative:
I couldn't get a hold of them. Updated PENN CREDIT CORPORATIO Account XXXX of them. XXXX reported me, and I never received, and bill and no nothing about it and I can't get a hold of anyone, and I get disconnected PENN CREDIT CORPORATION Account Name XXXX Account Number Collection Account Type XXXX XXXX XXXXXX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$830.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
2018 filed chapter XXXX bankruptcy but the action was declined by the bankruptcy court. The filing was posted for 2 incidents in Experian, XXXX, FICO, and others. They have declined to remove the information and have provided it to insurers, banks and other financial institutions.

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 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: KS

Complaint narrative:
XX/XX/21 : Bought XXXX XXXX XXXX truck from a private individual. XXXX paid US Bank in the electronic transfer of funds at XXXX XXXX of {$37000.00}. 

XX/XX/21 : New buyer ( complainant ) received a lien release from US Bank dated XX/XX/21. 

XX/XX/21 : XXXX XXXX Kansas XXXX in XXXX, KS would not accept the lien release was not valid as it did not have a notary stamped and both seller 's names on the release. On the same day, the buyer drove to XXXX XXXX, KS to a US bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX. XXXX XXXX XXXX to discuss the issue with the Manager. The manager then called the main US Bank branch in XXXX WI and was told to put in for a new lien release. New release requested entered. XXXX # XXXX. The buyer told it would be 20 days to receive the 2nd lien release from XXXX WI. 

XX/XX/21 : XXXX called US Bank in XXXX KS XXXX XXXX XXXX XXXX ). Spoke with XXXX, advised to wait a few more days for lien release to come in the mail. Unsatisfied with the response from XXXX, the buyer called US Bank in XXXX, WI. Spoke with agent XXXX who reported that the second request placed on XX/XX/21 was denied to be sent to the buyer 's address, but could have it faxed to the XXXX in XXXX XXXX Kansas. Request for fax placed. XXXX # XXXX. 

XX/XX/21 : Buyer called XXXX XXXX Kansas XXXX to see if the fax from US Bank XXXX had been received. XXXX agent checked all faxes received. This request was not found. The buyer then called US Bank XXXX XXXX, WI, agent told the buyer that the request to fax the lien release was " in review '' and had not been sent. The buyer requested to speak to a manager, none available at the time. The buyer requested a manager to call back to discuss the situation. No return phone call received. 

Complaints concerns and with for resolution : Multiple days of work have been taken by the buyer to address this issue. XX/XX/21 Buyer will be outside of the mandate to tag the vehicle within 60 days, which will incure associated fees for late payment of sales tax and transfer of title. There is also concern of citations and fees if law enforcement pull over the buyer in the vehicle.

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 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
Company : XXXX Date : XX/XX/2018 All my XXXX tokens were stolen by XXXX. I have screenshots from my account transaction history of my tokens being transferred to XXXX. The tokens were not transferred to a wallet. This transaction was not authorized by me. I purchased these tokens on XXXX exchange and then it was randomly taken by XXXX. Ive filed multiple cases with XXXX with no response on their end. I ask for updates and just get generic responses saying they are looking into the issue and then nothing further happens. 

Amount : a little over XXXX XXXX tokens

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My problem is BOA said they sent me the {$300.00} check twice since XXXX but I didnt receive it till XXXX. 
My credit card is a deposit credit card. 
XXXX I lowered my credit from {$1500.00} to {$1200.00}, so BOA should return {$300.00} to me. They told me it would be returned to my check account. 
Until XXXX, I didnt receive the refund so I called BOA. And I confirmed that it would be returned to my check account. 
Until XXXX, I still didnt receive the money so I called Boa again. This time they told me they sent a check to my address XXXX address A ). But I no longer live at that place so I updated my new address XXXX address B ) and asked them to send it again. This is their first faultthey told me they would return money to my check account but actually they sent me a check without informing me. 
Until XXXX, I still didnt receive the money so I called Boa again. They said they knew nothing about where was the check. The only thing they can do is to resend the check. I agreed. 
Until XXXX, I still didnt receive the money so I called Boa again. They told me they sent the check on XXXX but they could not provide any tracking number so I didnt know if they really sent the check. I asked them to send me the check using anything that can track but they refused. They refused to provide further help. The only thing they were willing to do was to resend the check. I agreed. 
Until XXXX, I still didnt receive the {$300.00}. 
Its been nearly a year since I asked for returning my {$300.00} collateral. 
Actually, they provide delivery service to other customers. But BOA refused to send ups or XXXX to me even I waited for nearly a year. Since they could not provide the tracking number, I doubted they never sent the check to my address B. 
The address has no problem. I could receive other letters and checks.

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
Consumer complaint received 2021-05-03 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX Bank XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

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 2021-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I XXXX XXXX have sent a ftc report to each bureau. Along with various letters asking for validation of debt by providing the original contract with my wet signature. Nothing have been provided or removed.I demand that each account listed is removed. The only one that can validate any debt is the consumer ( I am the true original creditor ). I do not validate any of these accounts.

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 2021-05-03 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: MD

Complaint narrative:
I XXXX XXXX have sent a ftc report to each bureau. Along with various letters asking for validation of debt by providing the original contract with my wet signature. Nothing have been provided or removed.I demand that each account listed is removed. The only one that can validate any debt is the consumer ( I am the true original creditor ). I do not validate any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect
State: MI

Complaint narrative:
Debt collector called my employer and close relative. XX/XX/XXXX. They call all times of the day and also XXXX night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My Transunion score remains low. My XXXX score is fine. Why is Transunion XXXX and XXXX XXXX? The hit to my credit with XXXX XXXX has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact XXXX XXXX. I had the same problem with Transunion before. If my credit scores are so vastly different there is a problem. My problem is historically always with Transunion. Not sure what they are doing but its not correct and should be corrected.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX company put a force insurance policy on our building. The fire was on XX/XX/2020 and they will not response to us, pay for the damages, give us a point person to handle this situation, will not cooperate with us and title company to remove a cloud on title, will not give us a copy of the force insurance policy. Insurance company will not talk to us stating we are a third party. See attached letters.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Problem with personal statement of dispute
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My XXXX score remains low. My XXXX  score is fine. Why is XXXX XXXX and XXXX  XXXX? The hit to my credit with First Federal has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact First Federal. I had the same problem with XXXX before. If my credit scores are so vastly different there is a problem. My problem is historically always with XXXX. Not sure what they are doing but its not correct and should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: DriveTime
State: SC

Complaint narrative:
There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report

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 2021-05-03 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: MN

Complaint narrative:
Multiple Inquires on report and still continue. Have block access with sage stream, 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 2021-05-03 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: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: CBC Companies, Inc.
State: SC

Complaint narrative:
There's inquires on my Report that i don't recall or recognize and i need to come off my credit because i don't recall consenting to any authorization on my Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX i opened an account with navy federal credit union, next day i was put on restriction due to false info on a consumer report now Im unable to use the account for my own benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
there Are items on my credit report that i have disputed and i haven't received any results about the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
there Are items on my credit report that i have disputed and i haven't received any results about the investigation

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