vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
My identity has been comprised since sometime in XXXX at least. Last XXXX XX/XX/XXXX, I received a notice from the Virginia Employment Commission ( VEC ) stating that I filed for unemployment benefits. However, I've been gainfully employed the last 16 years with the same company and my company denied the claim due to it's fraudulence. 

I filed a police report with my local police department, added a fraud alert and credit freeze and pulled my three credit reports. I saw three accounts that I did not open, charged off in collections- all opened in XXXX during covid. 

I reached out to XXXX XXXX and advised of the unauthorized account, I asked for proof such as picture ID or signed contract - they stated the account had been sold. 

I reached out to Jefferson Capital also advising them of the unauthorized account they stated they would look into it. I disputed the tradeline and it was validated by Jefferson Capital.

Now, Jefferson Capital is suing me in district court, to collect on a fraudulent account opened with my stolen identity, which I have evidence it was stolen based off VCC letters, police report etc.

I've asked Jefferson Capital to send me a signed contract ( if e-signed a picture of the signature ), picture ID of the applicant to identify who opened this account ( which could lead to the arrest of the perpetrator ), which would exonerate me of this debt and stop Jefferson Capital 's collection efforts.

I request that Jefferson Capital cease all collection actions and delete their tradeline from all credit reporting agencies permanently. 

Any legal fees or wages lost may be added to my countersuit in court or via arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a updated copy of my credit report and noticed that there were information on my report that was missing and is not getting reported through the credit bureau. According to my transunion report, they are not reporting a car loan from XXXX XXXXXXXX XXXX for my auto loan that was opened XX/XX/2022. It is paid every month on time and not report on transunion display any car loan from XXXX XXXX XXXX of any payments.

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 2023-07-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$450.00} Account # XXXXXXXX XXXX XXXX {$540.00} Account # XXXXXXXX XXXX XXXX {$2500.00} Account # XXXX 15 U.S.C. 1681 section 602 A. states : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states : a consumer reporting agency can not furnih an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting aganecy may make any consumer report containing any of the following items of information - any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: TN

Complaint narrative:
According to the FCRA, EQUIFAX is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting EQUIFAX to provide the documentation and prove that the information is indeed accurate. EQUIFAX has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, XXXX accounting report, I am not asking for an e-Oscar report. If EQUIFAX does not have documentation to shows that the companies involve credited my account, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. EQUIFAX is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX - XXXX XXXX? Has been fully paid in accordance with the XXXX XXXX XXXX XXXX XXXX - collections? Company fail to credit my consumer account with the dividends received from my certificate of indebtedness

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitalone got a decision from your company they didnt like. when I disputed fraud charges now capitalone put charges of XXXX on a capitalone card, that was shut off in XXXX. When i filed the original dispute against capitalone dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all XXXX of my capital one cards in XXXX, and I notified all XXXX credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXX bank account. 
XXXX knows the card was turned off when capitalone presented a false charge of XXXX. 
XXXX is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Southern Oregon Credit Service INC dba Fidelity Collection Service served me a letter on XX/XX/23 with legal action in small claims court to pay two medical bills ( and the company 's fees ) totaling XXXX . After reviewing the notice and speaking with my girlfriend, I found out that this company had mailed a copy of my medical debt, addressed to my girlfriend, at our shared address. She was confused over this because she hadn't accessed any medical care at the places listed in the bill and called the company to clarify. When on the phone with employee- XXXX XXXX , he disclosed the bill was for me not for her, and that it wouldn't hurt her credit. He then tried to clarify if we were married, to which she told him we weren't married ( and still aren't ) and demanded to speak to his manager for disclosing this information to her without us being legal spouses OR my consent. He denied her request and quickly hung up on her. 
She was extremely upset and felt preyed upon and that the letter was worded to be misleading her on purpose. 
There is no way they can legally disclose my debt information in paper AND verbally to someone I'm not married to and haven't given consent to them contacting. I want this company held accountable for breaching the Fair Debt Collection Practices Act Section 804.2 Acquistion of location information stating, " Any debt collector communication with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any debt ;. '' and Section 805.b Communication with third parties, " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited a check from a trust account my grandfather set up before he died for {$4700.00}. I get a check from this account t every year in XXXX. This year, I deposited the check on Monday, XX/XX/XXXX. On Tuesday, XX/XX/XXXX, the check had cleared and all of the funds were in my account. Since I knew this check was coming, it is the only income I have for the month of XXXX, so I used that money to pay all of my bills online for XXXX. Later in the day on XX/XX/XXXX I checked my account and my balance was - {$3000.00}. It seems that AFTER they had cleared my check and deposited the funds in my account, they changed their mind and decided to put a hold on the check and they withdrew {$4700.00} from my account to hold for 7 days. Since I had already paid my bills this put my account {$3000.00} in debt. This triggered an overdraft protection payment to cover that debt as well as zeroing out my US Bank Credit card. I will have to pay the interest on these charges. It is completely unethical for a bank to deposit funds into your account and then later on, after you have spent a good portion of those funds, decide to hold those funds and withdraw that money from your account. US Bank should be held accountable for this predatory practice. I will now have to pay interest to US Bank 's overdraft protection and credit card because of this.

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 2023-07-12 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: PA

Complaint narrative:
Called Equifax on XX/XX/2023 to report accounts that were closed over 10 years, requested the account to be removed. On XX/XX/2023 they updated the account for another 10 years which means this closed account will be on my report for a total of 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I scheduled a payment to be sent out to my mortgage company on XX/XX/2023. For some reason it was sent to my previous mortgage servicing company, I called my current mortgage company, Select Portfolio Servicing Inc ( see attached ) in XXXX, they have told me it happened a lot in the past. They said they will get the money transferred from old mortgage company without any problem. A few months later they send me a letter stating that the old company ( XXXX Mortgage ) has closed and they could not obtain the cashed funds from XXXX Mortgage, I have to work with my bank, XXXX, to retrieve the fund. I talked to XXXX, they told me there is nothing they can do either. So what can I do now to retrieve {$5200.00} to pay for my mortgage? I think my money got stolen and no one willing to help this minority woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Kikoff Inc.
State: CT

Complaint narrative:
I have no recollection of ever opening one of these accounts. Theres a {$5.00} balance that has hurt my credit and this account isnt approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized inquiry has been placed on my credit report from XXXX XXXX on XX/XX/2023. I have not authorize such inquire and I am requesting it be removed from my credit 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 2023-07-12 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: FL

Complaint narrative:
The three major agencies XXXX, XXXX, and Transunion have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, just to name a few. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX XXXX, FL 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 2023-07-12 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:
The three major agencies XXXX, Experian, and XXXX have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, just to name a few. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
I was extremely shocked to see every complaint I have filed closed out all on the same day. I didnt know at the time, the scans I sent in with my complaints, were not able to actually see the documents. I have fixed the scans, you can actually see the evidence now. My whole complaint of Wells Fargo manipulation and the blatant fraud. As I have said in all of the complaints I have filed. Wells Fargo didnt know in XXXX  and they are still defrauding us. As Wells Fargo can see in the original loan modification form from Wells Fargo home mortgage, by XXXX, they were making up numbers. Still continue to deny the facts I have provided. This original document proves that Wells Fargo is still lying and manipulating our mortgage account. How are the payment so different than the photocopied loan modification they keep sending us. Yet proof that Wells Fargo is still breaking the law and defrauding us as consumers.

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 2023-07-12 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: WA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX Acct # XXXX late payment was removed from my credit report XX/XX/XXXX, then added back XX/XX/XXXX. How is that even possible? I Cleary stated the late payment was against my rights in the first place with my complaint last month. But to remove it, then add it back is not right, my rights were also not addressed as well when late payment was added back. 

They are violating my rights under 15 U.S.C Section 604 A Section 2. 15 U.S.C 6802 The law clearly states a consumer reporting agency can not furnish a account without my written instructions, or share info to third party. 

I haven't giving these accounts written permission to furnish theses accounts on my credit 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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Roundpoint Mortgage failed to pay my homeowner 's insurance on time which has resulted in a notice of expiration from the insurance company. I contacted the call center on XX/XX/2023 and was told that the insurance payment was sent via snail mail two days before the due date. This is unacceptable! There was enough money in the escrow account to cover the payment long before it was due. They do not allow their customers to make payments after the due date without charging a late fee. Therefore, it is my expectation as a customer that they pay insurance and tax bills on time. We are at the height of hurricane season in Florida. If this payment gets lost in the mail and our policy is cancelled, I can only imagine the nightmare that will ensue for me as a homeowner if a hurricane strikes our area before this issue is 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 2023-07-12 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: SC

Complaint narrative:
I have some inquiries on my report that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: VA

Complaint narrative:
this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due

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 2023-07-12 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: VA

Complaint narrative:
this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX  terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation