vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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: DE

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 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 60 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 XXXX XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: NH

Complaint narrative:
I've been monitoring my credit score and my credit reports because I wan na buy a house, well on XX/XX/XXXX I received an email alert that my Trans Union Credit score dropped 20 points, all my accounts are up to date, all my accounts are paid on time even before they are due I made a car payment 2 weeks in advance and within a week my Trans Union score had dropped. I called them and they said they would initiate a refresh well that only brought it up 2 points. I am trying and hoping to buy a home next year and have been diligently working on this. My XXXX and XXXX are in line with each other, my Trans Union was always behind 20 points and now it's 40 points behind. This is not right for a company to weld so much power over your life and future and not take responsibility for their error or computer glitch or something. 
If this has happened to me how many other people have had the same experience with them. 
Please help.

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 2021-06-20 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: FL

Complaint narrative:
On XX/XX/21, XX/XX/21, XX/XX/21 I submitted documentation specifically requested by an Experian representative I spoke with by phone to accompany a dispute with a car dealership that im currently in litigation with and is falsely reporting a repossession on my credit. The documentation Ive provided has been more the efficient to remove this from other bureaus. It adequately proves my payments as well as my rights as a consumer to have it removed due to discrepancies in information reported by the company. Ive been unable to purchase a vehicle due to Experians lack of cooperation and lengthy investigations leading to no resolution

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 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
I am a victim of this fraudulent XXXX XXXX Account. I have no liability for this account and I demand that XXXX XXXX stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. Weltman, Weinberg & Reis CO., L.P.A is the law-firm that submitted the documents that was served to me on behalf of XXXX XXXX. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am a victim of this fraudulent Capital One Account. I have no liability for this account and I demand that Capital One stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. XXXX, XXXX XXXX XXXX XXXX, XXXX is the law-firm that submitted the documents that was served to me on behalf of Capital One. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20 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: Verisk Analytics Inc
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy has been violated and breached by this fraudulent company which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This fraudulent company is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This fraudulent company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This fraudulent company has no respects of my rights to privacy. This company was compensated to break the federal law by violating my rights to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I recently changed my email address and no longer have access to my previous email account. I contacted the credit card company by phone to change my email account details on XX/XX/XXXX. Because I do not live in the US I am unable to receive a verification code on my cell phone. After 1 hour on the phone and 3 different agents, a weblink was sent to my NEW email account asking me to upload 2 ID documents to verify my identity. I did so, uploading my US passport and an Irish drivers licence. I was told I would be contacted to confirm the change. I was never contacted. 3 weeks later on XX/XX/XXXX I phoned the company back. Initially the representative told me that they had only received one ID ( my drivers licence ) and she insisted I had been phoned about the problem. Then she said that actually they had received my passport scan but it had failed verification. When I asked for more details, she admitted that although they had attempted to phone me, the call had failed. I asked to speak with a manager. I then spent 90 minutes with the manager who insisted I had to go through a process on my smart phone for real-time verification of my passport. Once again, they used my NEW email ID to send me the weblink for this process. However the process repeatedly failed. When I asked for another option, the manager said that I had failed multiple verification processes and when I asked him to explain what I failed he refused, saying that it would compromise their security to tell me what I had failed. To that point I had answered every security question correctly, and I had provided them with the documents they requested. He said there was no way the company could change any of my 'sensitive ' information, and they are refusing to change the email ID associated with my account. This means that they continue to send my account information ( balances, statements, etc. ) to an email account which I no longer have access to, and which could be hacked or accessed by the internet provider without my knowledge. Their 'security ' requirements are unreasonable and are actually compromising the security and privacy of my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I closed an account associated with Comenity Bank. The last payment was suspicious, but I paid it in order to close the account. I recently received and email see below for an account I no longer have XXXX  XXXX What they will then do is charge me for a returned payment fee or some other fraudulent claim : One-Time Payment Step 1 : Select Payment Details Please submit payments for todays date by XXXX XXXX. Eastern Time ( ET ). 

Select Payment Amount Minimum Payment : {$6.00} Pay this amount by your due date to avoid late fees and keep your account in good standing ... 


Statement Balance : {$6.00} Current Balance : {$6.00} Other Amount : $ Save on Interest : Select to Calculate Payoff Balance : Select to Calculate Select Checking Account XXXX  ... XXXX There was an error with XXXX  ending in XXXX. 
Select Payment Date Due Date by XXXXXXXX XXXX ET : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: MoneyLion Inc.
State: TX

Complaint narrative:
Someone fraudulently opened an account with Moneylion INC . I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX Money lion ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: NY

Complaint narrative:
Very bad company with their system Im a victim of fraud identity theft and disputed fraudelent hard inqueires their system sent me a letter in the mail after I sent them a FTC report by mail police report since they told me they need it to have it removed then I got a letter from them with dispute results saying all hard inquiries have been removed from my credit report then I go to see and its still reporting system dscroenecy this is unfair to me last time their office of consumer affairs had to remove this manually and apologized to me for their system doing this to me putting the inquiries back after telling me sending me results showing deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: LEXISNEXIS
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy has been violated and breached by this fraudulent company which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This fraudulent company is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This fraudulent company is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This fraudulent company has no respects of my rights to privacy. This company was compensated to break the federal law by violating my rights to privacy. Their negligence has caused me distress and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TX

Complaint narrative:
Someone fraudulently opened an account with XXXX XXXX XXXX I had never heard of them until they showed up on my report. 

I called them twice and twice I was told someone would call me or email. That has not happened and the account is negatively affecting my credit score. 

Ticket XXXX XXXX XXXX ticket XXXX Fraud account ticket number XX/XX/2021 Account shows that it was opened on XX/XX/2021 And again I never opened an account with them. This is a very bad company and there is lots of complaints about fraudulent accounts and people getting a run around to try and get their names cleared. What it shows is that they have a very poor way of verifying people that are applying for loans. Its leaving me personally with a credit score that been affected and I cant buy a home because of their incompetence. They are very very hard to reach to get anything resolved.

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 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Linebarger Goggan Blair & Sampson LLP
State: MS

Complaint narrative:
I recieved a letter from a law firm : Linebarger Goggan Blair & Sampson LLP that they were representing the City of XXXX, TX. I stated that I owe XXXX to the City of XXXX, TX. I have never been to XXXX, TX in my life. I have no idea to where the city is even located. They treated to have me arrested. 

I researched the company and they have a 97 % negative comment ratio on their profile with the XXXX. This is a scam and these are absolutely false allogations. I will not stand for this from any business. Like I stated earlier, I have never heard of XXXX, TX more less been there. 

I am will file a lawsuit against the collection agency for a violation of the FDCPA if the false claims against me are not dropped and /or if they contact me again in any way. I also have contacted my state attorney general and the Federal Trade Commission to complain about the false claims made against you by the collection agency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: NY

Complaint narrative:
on XX/XX/2021 I sent out a dispute via certified mail receipt : XXXX, regarding inaccurate and unauthorized information being furnished on my consumer report. Till this day I have not gotten any response nor resolution to my disputes, I am being ignored and my rights are being violated. I have contacted them multiple times only to be ignored. they are in violation of federal law 15 USC 1681 a ( 2 ) ( B ) for furnishing information that should not be included in a consumer report. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
ive been constantly harrassed by XXXX XXXX for a bill i have no recollection about. i have tried to contact them to fix the solution to get off my record and no agreement can be made. i produced my affidavid and forms and they refuse to acknoledge it.its been months and its still affecting me. its the collecting agency named covergent amount of bill are XXXX for XXXX bill and XXXX for a XXXX bill oppened fradulantly

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 2021-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
DISBURSING FUNDS FROM ACCOUNT WITHOUT MY KNOWLEDGE i COPIES OF CHECK TO SEE WHO GOT THE FOUNDS THIS A COVER-UP PLAIN AND SIMPLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, Transunion, XXXX  removed this fraudulent account from my report. In XX/XX/XXXX, XXXX  put this fraudulent account back on my credit report and now this account and XXXX  is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and XXXX  is causing harm to myself with much added stress.

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 2021-06-20 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: MD

Complaint narrative:
This concerns the Equifax account for both my wife and my CLOSED XXXX accounts. 

The Equifax account for XXXX XXXX has been altered from what the credit provider entered after the account was CLOSED. The account is now showing that our XXXX XXXX XXXX has missed payments, and instead of what was posted originally when XXXX was the last payment entry on the chart. At Present it is showing XX/XX/XXXX. This is a change from the original reporting. As well, it initially was showing XX/XX/XXXX as the first payment with the last payment XX/XX/XXXX. These later changes are now showing the account with 8 missing payments. With two being recent ( XXXX and XXXX XXXX The Equifax account for XXXX XXXX, the entire XXXX XXXX XXXX has been deleted. 

They were both reported as CLOSED with no missed payments. 

See screenshot of altered account attached ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: Professional Credit Management, Inc
State: TN

Complaint narrative:
Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TX

Complaint narrative:
In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, XXXX, Experian removed this fraudulent account from my report. In XX/XX/XXXX, Experian put this fraudulent account back on my credit report and now this account and Experian is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and Experian is causing harm to myself with much added stress.

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