vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXXXX/XX/XXXXand XX/XX/XXXX XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do.XX/XX/XXXX promptly and professionally removed the inquiries in question but Equifax and XX/XX/XXXX have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both Equifax and XX/XX/XXXX individually if they contact me so I can list them. 
Additionally, Equifax just lowered my credit score 57 points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit card issued by Capital Bank has installment monthly payments that have been made on this account and setup by me, but have not been satisfied as yet. I am requesting once payments have been satisfied. That this account listed with all 3 credit bureaus, be undated to a Paid in full status/ account closed, also any damaging derogatory remarks listed on my credit file are removed, including this account being listed in charge off status and all prior and current monthly late payment reporting as late or missed. If you are unable to do so, A PAY FOR DELETION of this account would be fine. Please note that this account is severely damaging my credit report and hurting my chances in the future with creditors. Just as negative or missed payment information is reported monthly. The bureaus have stated that a creditor can also update an account status by reporting it and any other revised information to a positive status as they do when reporting negative information. Please acknowledge my request as I am approaching the end of my installment payment agreement. Next payment in the amount of {$100.00} is due on XX/XX/21, next payment {$100.00} due on XX/XX/21, next payment {$100.00} due on XX/XX/21 and Final payment is due on XX/XX/21 in the amount of {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: NY

Complaint narrative:
I am a victim of identity theft. The criminals established a " KeyBank Hassle-Free Account '' at KeyBank in my name on or about XX/XX/2021. At the same time, they fraudulently applied for unemployment benefits in New York State and KeyBank, under the New York unemployment benefits program, also issued me a " Key2Benefits '' mastercard debit card. I never applied to open either account with KeyBank. On XX/XX/2021, I called the KeyBank Fraud department to report these frauds at XXXX XXXX  EST. The fraud reference number given to me is XXXX. I also reported the fraud to the New York State Department of Labor with respect to the unemployment fraud piece of this. KeyBank Fraud team claimed to be initiating an investigation and promised to ensure that these accounts were promptly frozen and/or permanently closed. A month later, as of XX/XX/2021, I have not received confirmation that the fraud investigation has been completed or that these accounts were closed. In fact, I received a second account statement for the KeyBank Hassle-Free Account for the period XX/XX/XXXX XXXX XXXX. While there has apparently been no activity on this account, I would like written confirmation that KeyBank conducted the requested fraud investigation and closed these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: OR

Complaint narrative:
I was told by a Linebarger Goggan Blair & Sampson, LLP consultant that i had to pay {$200.00} to lift my hold to recieve my licence then to make a $ 50 monthly payment, in whixh i made one payment, to keep the hold off and that they were gon na fax something to the dmv to lift the hold. I found out today that that was not the case by calling XXXX justice court and the dmv. 
Conversation should be of been recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX three fraudulent charges were resolved in my favor but due to these charges Capital One Bank placed a hold on my account and is refusing me access to my funds. On XX/XX/XXXX I contacted Capital One bank and was told the local branch teller can call in and the hold would be removed allowing me access to withdraw the funds and close the account, however I was told the account was closed 30 days after filing the claim for fraudulent charges and told a check would be issued to me for all funds available in the account. To date, Capital One Bank continues to deny my access to MY funds. Today, after being told to go to my local branch to get my funds I was denied and told a check would be issued for the funds in my account but again no one can tell me when the check will be submitted. To date, Capital One Bank has denied access to my account including bank statements. I need help. 
Capital One Bank XXXX, Louisiana

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE CREDIT BUREAUS ARE REPORTING INCORRECT INFORMATION THAT IS RUINING MY REPUTATION.

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 2021-03-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE CREDIT BUREAUS ARE REPORTING INCORRECT INFORMATION THAT IS RUINING MY REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
Skopos Financial is reporting inaccurate and old information to my credit report. This account was not authorized by me. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report 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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello, I received a notification today that my credit score was lowered upon investigation i discovered that this company was the reason for the drop. this business has not reach out to me by mail or phone. it is unfair that a business would place a item on my credit credit report without reaching out. I am requesting that this account be removed from the credit bureaus immediately, because it is hurting my chances of further rebuilding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TX

Complaint narrative:
Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XX/XX/XXXXXXXX - This account is not accurate as I never authorized this account. 
XX/XX/XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: TX

Complaint narrative:
Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX  XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account

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 2021-03-24 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: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
In XXXX of XXXX I settled with Rash & Curtis for a XXXX bill of {$330.00}. 
Based on this agreement, they advised that it will settle my debt for less than the amount owed and that a letter will be sent to me and once my final payment processed and assured that the tradeline will be deleted from all 3 credit bureaus. As of today, I have not received a letter advising that the debt was settled and my account is still showing under collection. Since XX/XX/XXXX I have been sending the bureaus 2 letters a month on the XXXX and XXXX and have reached out to the Rash Curtis & Associates and they are both unresponsive. Per CFPB guidelines they have to respond to every notice within 30 days and they have both failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: WI

Complaint narrative:
I have been disputing and sending all letters to all 3 bureaus on inaccurate and erroneous information listed on my credit. I have sent in identity theft affidavits and everything to prove and show that I WAS IN XXXX when these cards were opened. I want the XXXX  XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX ( WENT TO COURT AND THE COURT DISMISSED THESE DEBTS AGAINST ME HOW ARE YOU STILL REPORTING THEM ON MY CREDIT!! ), a bankruptcy as well that they have refused to show me any signed documentation on and I pointed out at least 5 inaccuracies on the listing of it, and XXXX DEPT ED ( a debt that was granted forgiveness prior to me going to XXXX  ) REMOVED FROM MY REPORTS. If this does not happen I will file ANOTHER lawsuit against all 3 bureaus WITH a lawyer this time. This is my final attempt to resolve this before I move forward with filing a class action lawsuit. I was told they have my affidavit by a tier 2 manager but their company policies allows them to not accept them. HOW CAN YOU JUST REFUSE TO ACCEPT A LEGAL IDENTITY THEFT AFFIDAVIT? They need to immediately remove this stuff from my credit report. XXXX XXXX, XXXX XXXX XXXX, the two XXXX  XXXX accounts, XXXX  account, XXXX/XXXX  and the bankruptcy need to be removed immediately for ID theft, false reporting, inaccurate reporting, and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently became aware of several inquiries on my credit reports. I discovered that a previous tenant of mine had fraudulently acquired and used my personal information to obtain credit while he lived with me. I contacted the police and due to a recent outbreak of XXXX XXXX  and XXXX  XXXX in my city they were unresponsive and advised me to take the matter to civil court and because the tenant had moved to another state there wasn't anything they could do. XXXX promptly and professionally removed the inquiries in question but XXXX  and TransUnion have refused to do so, telling me that hard inquiries can not be removed unless there is a police report. I will gladly list the inquiries that were done fraudulently for both XXXX  and TransUnion individually if they contact me so I can list them. 
Additionally, XXXX just lowered my credit score XXXX points with no new negative information being listed as the reason. I will attach a copy I obtained showing the drop and the " reasons '' they have done so. 
I am now not able to obtain credit and am in need of a new roof for my house ASAP.

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 2021-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX  ; XXXX and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 ; XXXX XXXX XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX/XXXX  # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2021-03-24 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: NV

Complaint narrative:
XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : 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 ; XXXX XXXX NA # XXXX ; XXXX  XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX/XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.

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 2021-03-24 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: LendingPoint Holdings LLC
State: TN

Complaint narrative:
I received my credit report and found an inquiry from this company. I did not apply for credit with this company nor did I give authorization for them to check my report. I believe this inquiry to be fraudulent and I request that it be removed. The inquiry is reported as : LENDINGPOINT on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XXXX, XX/XX/2020 at XXXX XXXX you send me an email about my forbearance plan that ending soon. 
It confirms that we had a forbearance plan during the COVID-19 pandemic. Why are there late payments on my credit report during that plan you offered? I attached credit report for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: WI

Complaint narrative:
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call seven times in a minute. 
Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. 
No verification of this debt. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple XXXX  in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.

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 2021-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I had been receiving quite a few calls from someone coming up on my caller ID as " Sunrise Collections '' and I did not know who this was, so I answered the call. Someone on the other end of the call asked me to verify who I was. I didn't want to do this until I knew what the call was about since I had no idea who was calling and about what since I had never heard of them or from them. I wish I had caught the reps name from the call, but the call was made to me from XXXX on XX/XX/2021 at exactly XXXX XX/XX/XXXX eastern time. I was informed at that time of a bill owed to XXXX XXXX XXXX who the rep wanted me to take responsibility for. I informed her that I had no idea what bill or account she was talking about, I had nothing in writing and I requested that she send something to me, validating the debt as I had received nothing about this and this was the first time I was hearing about it. This person tried tricking me over the phone into getting me to admit ownership of a debt I have no documentation of and continued to be rude and on the border of harassing. I requested that she send me written documentation and I'd follow up after I had that. Since that time, I've been receiving at least 2 calls per day from this collection agency and still, no validation of the debt or anything else in writing. Because of this occurring, at the time of the call, this collection agency had made no entry on my credit report ( as I had said -- I had never heard of them before in any way ). I have since applied for a mortgage and they have entered a collection on all 3 of my credit reports significantly affecting my ability to obtain an approval.

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