vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently i received a copy of my Experian credit report and noticed an unauthorized opened account from XXXX added to my credit file, i did not give permission for Experian or any one else to run my credit, i did not apply for loans or any credit cards with XXXX. Experian gave XXXX credit card company access to my credit file without my permission. there is a XXXX account that is reporting balances and late payments in my Experian credit file that do not belong to me and when ever i talk to Experian they blame XXXX and when ever i talk to XXXX they blame Experian saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

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 2021-11-18 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: EQUIFAX, INC.
State: FL

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  # XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: FL

Complaint narrative:
I am challenging the incorrect information with XXXX on my credit report. Where XXXX and XXXX clearly violated the law. XXXX and XXXX put on my credit report an account number that is not my and the balance is false. The XXXX month terms payment of an account that is completely close. Furthermore, XXXXXXXX XXXX is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXXXXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im challenging this account with XXXX and XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Provides me with strict proof section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MA

Complaint narrative:
this company ncb management is trying to collect on a debt that was proven fraud its been clearly sold from one collection to another now this company is trying to collect on a fraud account I had disputed back in 2019 and was successful at removing it. I want this harassment to stop or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A bank account was opened under my name at TD Bank. So far I don't see anything else being opened as such and no funds are missing from my account. I was able to call TD Bank and get the account closed. It seems this was opened on XX/XX/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: GA

Complaint narrative:
EQUIFAX is reporting fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The statement shows a 30 days past de in the month of XXXX to XX/XX/XXXX and XX/XX/XXXX. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK XXXX ***** Openede Date : XXXX XXXX, XXXX Balance {$1000.00} CAPITAL ONE ***** Opened Date : XXXX XXXX, XXXX Balance {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
- Paid off loan in XXXX or XXXX of this year ; Hyundai Motor Finance immediately cashed the check. 
- Called and asked for the title to be sent to me in late XXXX, never received title - Called in late XXXX to ask for title and was told the title had been lost in the mail - Received lien release letter dated XX/XX/XXXX and was told to take the lien letter to the local DMV - Tried taking to my local DMV but the DMV requires the actual title - Called on XX/XX/XXXX and spoke to XXXX ; was told that my title was returned to HMF on XX/XX/XXXX ( which means that the title was not lost in the mail - that was a lie ). XXXX said it would take 5-7 business days to mail- Called on XX/XX/XXXX and spoke to XXXX, who said said they had not sent the title or even opened the email asking for it and was not willing to transfer me to someone who has access to the title - Emailed XXXX requesting urgent and immediate assistance - Called XXXX XXXX XXXX XXXX XXXX XXXX who signed the lien letter, asking for help and left a voicemail

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 2021-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Recently i received a copy of my XXXX credit report and noticed an unauthorized opened account from Suntrust added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Suntrust. XXXX gave Suntrust credit card company access to my credit file without my permission. there is a Suntrust account that is reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Suntrust and when ever i talk to Suntrust they blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

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 2021-11-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am requesting the following accounts be updated. I have tried to reach out to XXXX  regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX  accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am challenging the incorrect information with XXXX on my credit report. Where XXXX and TransUnion clearly violated the law. XXXX and TransUnion put on my credit report an account number that is not my and the balance is false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount. I am a victim of identity theft. XXXX XXXX is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts 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 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: KY

Complaint narrative:
I disputed that I owed the debt that XXXX claims I owe, and they acknowledged it and said that they would stop contacting me until they provided me with verification of the owed debt. A few days later, they continued collections actions. They also continued to email me despite the fact I requested that they send me only physical mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, a XXXX veteran who is attempting to pay off the balance I had incurred with AVANT LLC, WebBank. On XXXX XX/XX/2021, after receiving a credit card debt consolidation loan from XXXX XXXX for the amount of XXXX which was my current pay off balance with AVANT LLC, I enclosed the check issued by XXXX XXXX for that amount and sent the check certified utilizing the USPS tracking number XXXX XXXX XXXX XXXX XXXX to the payment address for AVANT LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX. The certified package was signed by a receiving personnel for AVANT LLC on XXXX XX/XX/2021. The check XXXX {$290.00} was cashed by AVANT LLC on XXXX XX/XX/2021 and did not apply the payment to my account. I had received the signed tracking notice from USPS on XXXX XX/XX/2021 and immediately contacted AVANT LLC at which time the company had no record of receiving the certified package and I was told it would take up to 14 days for the funds to be applied, at this point I had closed my account with this company because I knew a company would have some record of at least documenting the receiving of a certified package. Additionally, I had also stated that the company was requesting a payment by XXXX XX/XX/2021 and the customer service representative stated that my check would be applied retroactively to the date the check was received. AVANT LLC at this time and date of this statement, has not applied the payment to my account and it is currently reported as past due and they had also charged a late fee of {$25.00}. This company is purposely damaging my credit status on the three reporting agencies, as I had never been late with a payment to AVANT LLC. Just the previous month I had sent in a payment of {$100.00} to the company. This particular situation is causing me undue stress for I am striving in the best way to keep my credit from being negative as I have intentions of buying a home within the year. I have filed a complaint with the BBB which AVANT LLC is not a member and this company has over 315 complaints of this same magnitude in just a 12 month period. If this company does not want to do the right thing by their customers, then they should be able to add derogatory information to someone's credit report. I have also filed complaint with the XXXX XXXX XXXX XXXX XXXX Illinois and I have sent rebuttal to the credit agencies on this matter. Please assist me with this matter because I am not the only person that is being taken advantage from this these subprime lending predators. Thank you in advance for your assistance and I look forward to hearing more guidance or information as to what should be my next action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: AES/PHEAA
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with FED LOAN SERVICING. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPOR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am requesting the following accounts be updated. I have tried to reach out to Equifax regarding this information for some time. 

Please remove any comments, remarks or indication of a dispute with both XXXX XXXXXXXX XXXX accounts on my credit report. 

Removal of an incorrect late payment mark for the month of XX/XX/XXXX on the XXXX XXXX XXXX  credit card. 

Removal of the following inquiries ( these were NOT made by me ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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