vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: TX

Complaint narrative:
I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.

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 2021-07-14 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: LEXISNEXIS
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-14 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:
Upon reviewing my Transunion credit report, XXXX ( XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX ( XXXX ) and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry 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 2021-07-14 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: DC

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2021-07-14 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
GM FINANCIAL violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), and 15 U.S. Code 1681 ( A ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. 
Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave GM FINANCIAL any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I spoke with a supposed manager name XXXX XXXX in which I explained to her that her collector violated the fdcpa by not verifying who she was truly speaking with by law you can not verify a consumers identity by address alone she must verify a consumer by the last 4 numbers of there social security number. At any address there may be multiple people with same name. There may be a junior or senior with the same name and sometimes a father and son may have the same name and not be a senior and junior. The representative then said she will give me the last 2 numbers of my ss # and gave me XXXX as the last 2 numbers and asked me for the preceding 2 numbers I refused and she gave them to me instead and divulged all my info without a proper verification. XXXX XXXX reviewed the notes on the file and the representative improperly notated account as well a second violation of the fdcpa. I was supposed to receive a call back from XXXX XXXX days ago after speaking to her manager and never received that call ... I have called in 5 times today and asked to speak with XXXX XXXX and several people in your organization all said they were managers. At this time I will be making a complaint with the FTC and the Secretary of State and contacting an Attorney to file suite

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 2021-07-14 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
the following accounts that appear on my credit report are not mine, check them out Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 
1. Identity Theft CB/ANNTYLR Account Number : XXXX This is not mine. 

2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

3. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: DC

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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 2021-07-14 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: DC

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
For four consecutive months I have contacted Ally both by phone and in online chats for the sole purpose of aligning the due dates on each of my vehicles leased with them. 

I have repeatedly requested that Ally set both due dates for the 4th of each month for the following reasons : 1. The XXXX XXXX is due on the XXXX of each month. However, not every month contains 31 days. 
2. Every month contains at least 4 days. 
3. Social Security direct deposits are made on the 3rd of each and every month. 
4. There is no valid reason that Ally can not make both payments due on the 4th of every month. 

For four consecutive weeks, I have been repeatedly told by Ally representatives that they have made the request to set both due dates on the 4th of each month, that I would receive both an E-nail confirmation and a confirmation via a live telephone call from Ally. 

To date, neither has happened. As you may see from the details just taken from my online account at Ally, every single request has been willfully ignored by Ally. Not one single Ally representative has kept his or her word. 

XXXX XXXX XXXX ... XXXX {$7600.00} {$0.00} {$250.00} on XX/XX/XXXX XXXX XXXX XXXX ... XXXX {$10000.00} {$340.00} {$340.00} on XX/XX/XXXX Total {$17000.00} {$340.00} {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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:
Disputed accounts with Equifax been 45 days no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
I used to live at XXXX apartments at XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on on-site.com, the website that this company uses to sign lease, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX apartments at XXXX XXXX. They are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to XXXX XXXX XXXX, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. I have sent a letter disputing this debt to XXXX XXXX XXXX, in addition to filing a complaint with the Internet Crime Complaint Center, however, XXXX XXXX XXXX has still reported that I owe this debt to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a line of credit with Capital One since 2005. Ive never had a late payment and I have always paid it down in XXXX every year. this year they waited until I made a large payment, then they changed it to a closed loan that I couldn't draw from again. I was told by Capital One that it would never happen. This really put me in a cash bind and hurt my cash flow for the rest of the year. if they didnt want me to have this line then thats Ok, but to wait until I made a large payment then cut me off, is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX at XXXX, who claims they are located in California, threatened to serve me in my local court to " collect '' on a XXXX XXXX account in the amount of {$2900.00} from the year XXXX. I hung up with them and proceeded to call my local courthouse to ask if they had this on file, which they didn't. I called back XXXX group only to get their " Legal '' department. The guy in " legal, '' who didn't give me a name, cursed me out and hung up on me after I questioned his motives. This happened to me before a couple of years ago and I went down a rabbit hole and found out how much the debt actually is. The actual amount of the debt is {$670.00} and the amount is from XXXX. I called the actual debt collector this time around as well to verify the amount I actually owed and they confirmed the {$670.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
about 2 months ago I was completely robbed and hacked everywhere XXXXXXXX XXXX of account and all my personal information the victims sent all my money out to themselves and left my account negative after I recover my phone and changed all my passwords and got some of my things back I begin to fill a claim explaining what happened. The claim amount was for XXXX. They was very nice and understood the situation and told me to keep calling back for updates and I did I called back about 3-5 times for updates and they kept telling me after 60 business day I should be able to get my payment. so I waited and kept calling and today it makes 60 business days and they said they had denied my claim and I dont understand why but I really didnt like that decision after they promised me my money a bunch of times. I just want my money back!!!!

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