vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX my wallet was stolen, and within 45 minutes I had canceled my cards and reported them stolen, but it was too late. Someone made over {$1000.00} of purchases combined on my credit and debit. Bank of America even alerted me of this fraud ( attached ) and I acted Immediately. Yet they are now denying it was fraud. 

I did everything right. I reported it immediately, contacted BoA directly, and filed a police report with the City of XXXX, MA. I provided the police report number to the claim department as well. They told me several times they would call should they need more info. 

I just received a letter that I will be held liable and the chargers were added back to my credit card, as well as the debit cars. This is extremely frustrating because I did everything BoA told me to, and the police have a photo of the person who did it. It is clearly NOT me and I have made it clear I did not authorize it. I reported it as soon as I knew it was missing. 

When I called, they said someone had filed the claims wrong. yet they are penalizing me for it. I have been working with the police so everything is documented. 

To make thing worse, they provided me with a resolution representative. He called me and asked if I have a police report, after 7 Bank of America employees had told me they had all the information including police report info, officer name and contact info. I spoke with this representative, XXXX, who said who said my fraud claim was denied despite me having a police report because people lie. He also said the claims show as open to him, but on my end they appear closed and they sent me a letter saying its closed ( attached ) I been a member of BOA since 2012 and have never filed a claim so I dont understand why I am being treated like a criminal. This has been difficult.

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 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C System at XXXX XXXX XXXX XXXX XXXX, MN. XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.

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 2021-07-18 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: FC HoldCo LLC
State: OH

Complaint narrative:
Flagshipcrdt obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull 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 2021-07-18 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: NC

Complaint narrative:
On XX/XX/2021 I had sent a letter to the three bureaus. I asked them to verify and remove some accounts that were in error on my report. I have not received any results or information back from them in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
According to my most recent credit report there is a new negative remark from Phoenix Financial Services. This is an old account paid off in 2019. There should not be any collection of a debt that is settled. I tried to dispute this as this is an error from XXXX as they were the firm with power of attorney that settled it. XXXX did nothing to resolve this issue. Please see attached documents for proof of settlement and please remove the negative judgement that is unfairly placed in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: PA

Complaint narrative:
I was looking at my credit report and noticed that two credit card accounts were opened and closed in my name. I never authorized anyone to use my information nor did i give anyone my information to use. This one not of my doing or my actions i dont know who could have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Lennar Financial Services, LLC
State: IL

Complaint narrative:
I gave a 10 % down payment for condo in FL. The amount of {$27000.00} to Lennar. 
The deal did not go through and they still did not refund me my money and only communicate with me via sales person who does not know anything.

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 2021-07-18 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Lvnv funding is saying they have bought an account from XXXX  XXXX XXXX  that is a charge off account but I have an open account with them that Im currently using. This fraudulent Ive attached my current statement to prove what Im saying to be factual. Also Im waiting for a signed contract showing me and lvnv funding have Busienss, according to the frca they must provide it or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Global Lending Services LLC
State: OH

Complaint narrative:
Global Lending Servi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC at XXXXXXXX XXXX XXXXXXXX XXXX, SC. XXXX has been sending me collection notices in the amount of {$700.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TX

Complaint narrative:
The following fraudulent inquiries on my Equifax report were the results of identity theft. I sent police report, FTC complaint, and 609 letter demanding said fraudulent inquiries be verified or removed pursuant to fdcpa and fcra. Also that I be sent copies of the verification ( XXXX law XXXX ) for my review. Equifax failed or refused to verify any of the fraudulent inquiries or provide me verification as requested but they continue to report this fraudulent and inaccurate information which is adversely affecting me and my attempts to recover from identity theft! Please have Equifax to provide the verification and party who verified the fraudulent inquiries on my report or remove them immediately. 

XXXX. XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Americredit obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. The FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting Americredit, they were unable to provide proof of my signed approval for them to pull my credit report. 

Additionally, two inquiries from Americredit are present on my credit report for the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens One obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft 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 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed a collection account from XXXX for {$1800.00} with TransUnion and XXXX  and it was deleted in my credit report in XX/XX/XXXX. After four months, I have pulled my credit report and the same account was re-inserted back to my credit report. I have never received any notification from them after they put it back in my credit report. That is clearly breaking the law. There are also no proper documentation that was provided to me proving I owe the account. I have sent letters to the credit bureaus regarding this matter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not received anything from them.

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 2021-07-18 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
Exeter Fin obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Syncs/PayPal has inquiry on my credit report that I didnt authorize.

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 2021-07-18 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: CA

Complaint narrative:
I have an open mortgage with XXXX XXXXXXXX. I had some delinquencies in 2014 but have been current since that time. Both XXXX  and Equifax still show the lates even though by law those are required to fall off after 7 years. XXXX  has removed those lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TX

Complaint narrative:
I have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Td bank XXXX/Target has an unauthorized inquiry on my credit file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company keep reporting inaccurate information. I have disputed numerous of times for fraudulent activity on my credit report. I have tried to dispute items company refuses to dispute account again for fraud. Lvn funding has never gotten a copy of my identification card or signature for an account with them. XXXX XXXX XXXX is the credit card company reporting I been told them that was identity theft account. XXXX XXXX  is paid off and closed out over seven years still reports the same. I have inquires that are fraudulent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company keep reporting inaccurate information. I have disputed numerous of times for fraudulent activity on my credit report. I have tried to dispute items company refuses to dispute account again for fraud. Lvn funding has never gotten a copy of my identification card or signature for an account with them. XXXX XXXX XXXX is the credit card company reporting I been told them that was identity theft account. XXXX XXXX  is paid off and closed out over seven years still reports the same. I have inquires that are fraudulent 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 2021-07-18 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wfds obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull 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 non-monetary relief
Consumer complaint received 2021-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX  was sent a letter of dispute. After review of my credit reports, XXXX XXXXk has not marked my account as disputed as required by the FDCPA

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 2021-07-19 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: NC

Complaint narrative:
XXXX XXXX  was sent a letter of dispute. After review of my credit reports, XXXX XXXX  has not marked my account as disputed as required by the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Focus Receivables Management at XXXX XXXX XXXX XXXX, XXXX, GA. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have an open mortgage with XXXX XXXXXXXX. I had some delinquencies in 2014 but have been current since that time. Both Transunion and XXXX  still show the lates even though by law those are required to fall off after 7 years. XXXX  has removed those lates.

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