vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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: AL

Complaint narrative:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail XXXX, XXXX, and Transunion 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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 2022-01-22 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: AL

Complaint narrative:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail Equifax, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: MI

Complaint narrative:
On XXXX XXXX I called and tried to dispute hard inquiries that were unauthorized on my credit file. I was told by the representative I spoke to that he would be able to remove them. We went through the hard inquiries together and he said they would be removed in 24 hours. The hard inquiries were not removed. 

I called again XX/XX/XXXX I told the rep. what had happened when I called the last time and she said she would be able to help me remove the unauthorized hard inquiries and we went through the process, she said they would be removed in 24 hours and they are still on the credit file. 

Here are the fraudulent hard inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX I have not filed for any credit cards, or car loans in the last 4 years. I believe i am a victim of identity theft as there are several accounts on my credit file that I have disputed already - the disputes are in the dispute process. I filed a police report with the city that I live in and I have attached proof as well as the incident number

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 2022-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion credit reporting agency refused to report mortgage with XXXX. XXXX is reporting to all three credit bureaus.

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 2022-01-22 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: TN

Complaint narrative:
I am demanding that the payment history to be updated to not late or never late. Please have this corrected to no late payments and update it on my credit file 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 2022-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). Capital One Auto and Capital One is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello My name is XXXX XXXX, On XX/XX/XXXX and XXXX 7,000 dollars was stole from my North Carolina unemployment debit card. I filed compaint on the XXXX of XXXX. Today is XX/XX/XXXX and im still havent got my money back. I sent a copy of police report to Bank of America and copy of my I D. B O A refuses to do whats right and give me my money back. OH, This is the good part when I got a copy of my transactions 5,000 and 2,000 was a bank transfer but doesnt show where the money went. Ive called so many times I lost count and they give me the run around. NO compassion at all. This has been going on for 2 months. Thanks for your time. WATCH OUT FOR BOA. My email is XXXX. XXXX is my home phone #.

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 2022-01-22 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:
Equifax is reporting inaccurate information on my credit report. There are 2 collection accounts that have no names of creditors, nor do they have a name of the account that they are claiming that I owe. I sent letters XX/XX/2021 and have yet to hear anything back. It has been well over 30 days. Equifax is required to remove these inaccurate accounts immediately. I have no way of verifying any of these accounts without the name of a creditor and the name of an account. Equifax has lost all credibility by allowing unauthorized accounts to be reported. I am also seeking litigation. 
1. Amount : {$160.00} Account number : XXXX NO CREDITOR LISTED- REMOVE THIS ACCOUNT FROM REPORT 2. Amount : {$380.00} Account number : XXXX NO CREDITOR LISTED- REMOVE THIS ACCOUNT FROM REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company failed to timely and properly apply requested due date change. They also did not process agreed upon extension for the months of XX/XX/XXXX and XX/XX/XXXX. 

When following up as I was alerted to credit delinquencies I was advised of employee error for which coaching has been provided and it would be remedied within 1-2 billing cycles. I received countless closures as a result of this not so much as an I'm sorry or monetary relief they simply kept giving me the runaround time after time. 

Then in XX/XX/XXXX they advised account is covered for covid 19 plan NO PAYMENT DUE. They advised interest would still continue to accrue so pay what I could during XXXX XXXX and XXXX the months initially processed for Covid 19 from certified XXXX XXXX XXXX letter that they accepted. 

Imagine my surprise when not only did they not fix the prior to as advised by several parties including XXXX XXXX office, XXXX closed accounts and countless other supervisors on a recorded line with CRA Execs. 

I was then informed they would not speak to me nor accept payments because account was coded cease and desist and litigation they froze my portal for payments in XXXX after dispute and nothing works to this day over 2 years later. The old account was paid off and I acquired a new loan through only because it was further guaranteed account would be rectified and portal fixed yet it is not.

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 2022-01-22 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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-22 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Someone that I do not know of used my name to get a credit line through ACIMA. I was completely unaware of it until noticed that my credit score decreased significantly. Due to the credit score drop, I logged into my XXXX account and realized there was debt with ACIMA and they reported to XXXX only. I disputed the account through XXXX and communicated I was waiting on my police report. Before, ACIMA and XXXX received my police report of fraud they communicated with one another. XXXX noted on my account that ACIMA said the account belonged to me without a police report or an investigation. This is indeed NOT my account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was working hard to raise my credit score. Before the identity theft, my credit score was XXXX and not plummeted to XXXX on XXXX. I want this account eradicated from my account expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XX/XX/2021, I filed a police report regarding of my wallet got lost. I replaced all of my driver license, credit cards, debit cards, ... but never received once until I request a second time. In late XXXX, someone used my new driver license to withdraw {$200.00} from my saving account. I filed a fraud claim on XX/XX/XXXX and haven't heard anything from Bank of America. I called Bank of America several times to follow up on my claim but they said it may take up to 90 days so I should be patient and wait. In XXXX, I found out that someone used my driver license again to withdraw {$500.00} from my checking account. I have to open the new claim but I also received the email from Bank of America that my old claim couldn't be honor because they were not notified that my identification was lost or stolen. That was nonsense since back in XXXX they have called me a few times because someone who has my replacement debit cards tried to activate that cards using my name and my address. I called Bank of America again and they said if I want to reopen the claim I have to fax them the police report. Today ( XX/XX/XXXX ) I called them to know the update on my claims but they tried to transfer me back and forth between some fraud departments, and every time they transfer me it takes me XXXX minutes to wait for the line, the last agent I have spoken with was in XXXX, he was in the XXXX Fraud department, he asked me what happened on that claim and then suddenly he said " oh I'll transfer you to the check fraud department right away because that's on the checking account '' and he put me on hold again... I was in the check fraud department earlier but the agent in Texas said my claim was created by XXXX Fraud department so I have to speak to them. That's so unprofessional. I'm just a customer and I just need my money back but they keep pushing me back and forth. The police in my city even caught the guy who stole my mailbox but Bank of America seems not to want to give my money back. I want to close the account but they said if I decide to close my account they won't process my claim and it automatically be denied.

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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I have reached out to Credence Resource Management requesting information that I have yet to receive. As a federally protected consumer, Credence Resource Management is in violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-01-22 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I called Barclays, my credit card company, to report a pending purchase for {$390.00} at XXXX that I did not make. They cancelled my credit card and sent me a new one. I heard nothing more until my statement closed on XX/XX/XXXX and the charge was shown as a transaction included on my statement. I called Barclays and they said they determined the charge was a valid charge. I explained again that I didn't make that purchase and was in possession of my credit card the entire time. Barclays suggested that I call XXXX. I called XXXX to report the fraudulent charge on XX/XX/XXXX. Per XXXX, XXXX XXXX is the fraudster and a hockey table was the item purchased on-line, delivered to an address in the state of Ohio, full address not provided. I filed a police report on XX/XX/XXXX. I called both Barclays and XXXX to report the filing of the police report. XXXX took the information without a problem. Barclays only accepts faxes and postal mail as per their protocol. I faxed the police report to Barclays on XX/XX/XXXX from XXXX, incurring a charge of {$4.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Barclays and XXXX several times. No one can tell me if XXXX and Barclays are working together to resolve this. I have no idea what is going on as I am constantly told it takes time. It has been over 7 weeks and I still have no resolution. I have been victimized by the person making the fraudulent purchase and daily by XXXX and Barclays as this has taken an enormous amount of time to try to resolve and additional money for the fax services.

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 2022-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX installed solar panels and a metal roof on my home at XXXX XXXX XXXX, XXXX XXXX, SC. 
Was financed by Loanpal ( now known as Goodleap ). I attempted to refinance it because I was getting charged interest only. They were giving me false information and lies about the rebate from the government on taxes. 
In XXXX I tried to get a refinance and they said they were going to send someone out to fix the panels and roof. When informed that I was on unemployment they stopped trying to help me and kept sending me late payment emails and notice of disconnect of my solar panels ( which has been disconnected. ). When I attempted to contact the number given to me ( XXXX The agents name was XXXX. ) to get someone to fix the damage to my dinning room leaking roof, they proceeded to tell me there is nothing they could do and to take it up with my home owners. 
Now as a result of all this I have liens against my property, my solar panels to not work, my roof still leaks, and I have so far estimated a total {$15000.00} in damaged to my house. Plus the cost for repairs to the leaking roof still.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation