vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ACOPIA CAPITAL GROUP
State: AL

Complaint narrative:
On XX/XX/2021 i went to XXXX plus located in XXXX XXXX alabama and meet with a lady name XXXX XXXX XXXX who i was introduced to by XXXX XXXX XXXX who is license to do application loans for the public she own Acopia Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama. On XX/XX/2021 i signed and XXXX XXXX agreement for a home loacated at XXXX XXXX XXXX XXXX loacted in XXXX. alabama XXXX I put down Earnest money to secure the property! the sell was to close and deed delivered on XX/XX/2021! I recieved approval for the loan from acopia home loan XXXX XXXX with condtions of providing documents such as unnecessary things and a gift letter for closing! on i signed loans papers with acopia home loans XX/XX/2021. I never made it to XXXX XXXX in XXXX XXXX for closing but they told me it had already closed! XXXX i did my investagtion and found the loan at XXXX serving where they sold the loan to XXXX XXXX! I have emails and documents to prove what in saying XXXX XXXX at XXXX XXXX told me that if i never got approve it wont never made to the pipe line! I really think acopia homes is doing fruad! I was adviced by exchanged bank what just happen was fruad and they hope i get it solved when i went to cash the escrow check that XXXX XXXX wrote me! I would like help on solving this XXXX XXXX XXXX case and the property that XXXX mortgage said i lawfully own and i was protected by the federal gouvernment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FTC Report # XXXX is a complaint i filed and reported XX/XX/21, about unauthorized use of my credit card/social security card and number. I recently discovered after that on my Experian credit report alone there are more than over XXXX soft unauthorized inquires. I did not authorize these inquiries to be taken out in my name, nor or they related to anything I've did.

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 2021-12-17 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: PA

Complaint narrative:
I have been a victim of identity theft. XXXX XXXX XXXX has opened a fraudulent account on my credit profile and it needs to be closed immediately.

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 2021-12-17 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: OR

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and 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 non-monetary relief
Consumer complaint received 2021-12-17 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: OR

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that do not belong to me! this info is fraud and i want it investigated and 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 non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I searched for the original creditor it shows XXXX Texas XXXX is permanently closed. 
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Nationwide Recovery. 
According to 15 USC 1692J-Nationwide recovery is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. 

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CA

Complaint narrative:
An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXX after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the two letters from XXXX XXXX XXXX  confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CA

Complaint narrative:
An account with the XXXX XXXX XXXX was opened fraudulently, without my consent. I went through a year-long investigation with the XXXX XXXX XXXXi after which they concluded that the account was a fraud account. I received a letter on XX/XX/2021 confirming it was a fraud account, and since then they have failed to delete the account from my credit reports. I received a second letter dated XX/XX/2021, confirming they have now sent deletion requests to the major credit bureaus. When I have tried to contest and delete these items myself, the bureaus have failed to comply despite providing copies of Police Reports, Identity Theft Affadavit, Correspondence with XXXX XXXX XXXX and the XXXX letters from XXXX XXXX XXXX confirming the account was fraud and that it should be deleted. Copies of these letters are enclosed.

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 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
This is the third time Im disputing this debt that is NOT mine. It has been removed off of my credit report in the past and pops up again. It is not my debt and I refuse to have my credit profile defamed by XXXX XXXX and the collection companies they hire. 

They are reporting a debt that is not mine and send me letters saying that the debt is verified with no proof. Like Im not just going to pay a debt that is not mine. This is unacceptable. I sent the credit bureaus a letter disputing this debt and the company EOS CCA responds back saying the debt is verified? How? This makes no sense and their tactics are unfair and quite frankly abusive at this point. I demand they remove these negative remarks off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Kohls XXXX XXXX XXXX XXXX, WI XXXX. I have disputed this item with kohls for the past 6 years. They charged this account off XX/XX/2015 with a balance of XXXX. Everything month they a reporting It as a charge off and to my knowledge c/o accounts should have no active payment reporting. I have Requested for this to be stop but they have denied. This has/ is negatively impacting my credit and Im requesting deletion of this trade line from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2021, I received in the mail a debit card registered to my name with account information ( account number and routing number ) from ChimeXXXXXXXX XXXX Bank XXXX I did not open an account with Chime and had never heard of this bank. 

I immediately called XXXX, the number listed on the card to inquire about this account and spoke to " XXXX, '' who started taking notes without asking me the account number or any other information about the letter, rather he insisted that I provide the last four digits of my social security number. 

I provided my email address, my name and offered to provide the account and debit card number but he refused the account information and insisted on knowing the last four digits of my social security number. I insisted that at least take the account number so that he could block the account from any fraud incurring on it, however he said he can not do that. I asked for a manager, and he said that he is the supervisor and that is the highest level a customer can be provided on the phone. He also mentioned that he is stationed overseas and can not transfer me to U.S. support or anyone who can close the account. Rather, he notified me that Chime would contact me via email to respond to my inquiry and did not close the fraudulent account as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2021-12-17 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: WA

Complaint narrative:
I am a victim of identity theft. Incidents has been filed to local police department for police report. The fraud XXXX account is a result of the identity. I sent email and made multiple calls to reach out to the institute fraud department when I received a debit card in letter. The call is always directed to voice message only. I have never received any call back after leaving them message. When I talked to their customer service department with recorded call reference ID, they assured me the account was frozen on XX/XX/XXXX with fraud alert, but when I called again XX/XX/XXXX for follow up, they told me that a loan was approved even after I put security freeze for all 3 credit bureaus. The email I sent on XX/XX/XXXX to alert the fraudulent accounts and got a reply with a generic custom support email for rating of the service. So far there isnt any other response or call back. A very challenging institute to work with.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have address this several times. Now the issue is the account. Was open XX/XX/XXXX and other mis information. But XXXX showing it was opened XX/XX/XXXX. And that not correct. In the past when I point out wrong info the credit reporting agency just Changed them on my credit report and notified the creditors. I thought they were to remove them. So I'm going this route. The date opend is wrong. Along with other info. But for now I'm noticing Date open wat XX/XX/XXXX. Not XX/XX/XXXX. I'd like the credit remove from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2021-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is attempting to collect a debt from XXXX bank for an auto shop credit card i paid off on XX/XX/2018, i never paid interest in this account, they gave 6 month deferred XXXX  % interest, i paid off {$1700.00} then. I am being charged for pretty much the credit limit {$4700.00} out of {$5000.00} for a charge i never made nor i approved, the account was sold this debt collector, they have an open law suit and the constantly threatening and harassing. This charges are fraudulent, i had several XXXX bank accounts, i have bought furniture, mattresses, appliances, tires, repaired my car and even financed a motorcycle with XXXX bank, i never defaulted, had late payments and in most cases never paid interest. I opened a dispute on the credit bureaus and the agent suggested to open a dispute with the Federal Consumer protection as well. I hope i can find a resolution to this matter with using these tools and steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: OH

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: OH

Complaint narrative:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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