vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high to continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my XXXXr told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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: 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: CT

Complaint narrative:
In XXXX I sent a letter to the major credit bureaus disputing the information contained on my reports as most, if not all, of the reported information was inaccurate. By right they are supposed to correct or delete the information, none of which was done. After the conclusion of the dispute ( XX/XX/2021 ), all of the accounts disputed still report the same erroneous information, not to mention the fact that particularly one of the accounts shouldn't even be showing on my report. This is according to information reported from the original creditor, whom I contacted on XX/XX/2021 at the phone number contact listed on my report. According to the customer service representative XXXX with XXXX XXXX whose badge number is XXXX, they didn't even show an old account for the account number XXXX. So I asked why this account was even reporting on my credit in the first place, as it was negatively affecting my profile. XXXX agreed, but said the only way to get it removed was to dispute it with the credit bureaus, which was already done, and redundantly might I add. I let him know that the collection agency listed on the account also sent a letter confirming that they were ceasing collection of the debt. I then asked how it was that the credit reporting agencies verified the account information, if he couldn't even find any in his system for the account, to which he answered that he couldn't speak for the credit bureaus. What is the point of disputing to get inaccuracies corrected or removed if the credit bureaus don't even bother to properly verify the information they are reporting? This is not only a form of gross negligence, but also a poor lack of communication and is very arbitrary to continue to do this to consumers. The credit bureaus continue to do this and there is never any recourse, but this needs to desist before grave ramifications occur in revolt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/21 i was XXXX  by XXXX XXXX. I was in XXXX  until XX/XX/21 during that time my idinity was stolen my checking account balance was XXXX XXXX Purchases and withdraws were taken from my account. Utility bills were paid at different locations charges me to companies Ive never done business I report it to Bank of America at the branch office on XX/XX/21 the explained my checking account had been taken over. Every security feature had been changed such as telephone number email address postal address username and password I filed a claim on all the charges made from the time that I was in XXXX I faxed over court paper work. Showing that I was indeed in XXXX  I also faxed over everything that the banker asked for police report and written explanation as to what happened so on and so forth. My claim was denied. At no time had I given permission to to anyone or shared with anyone my information. It was impossible for me to know that this fraud had taken place and the moment I was XXXX  and bank was open I went into BOA branch office to report the issue

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
WHILE I WAS AWAY XXXX  MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX  PAYS ME WELL. XXXX WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.

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: 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

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: Westlake Services, LLC
State: GA

Complaint narrative:
Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier Westlake Financial Services XXXX XXXX, CA. ). 

The consumer/ buyer notified Westlake Financial of the fraud and a investigation by Westlake Services ( Dealer Compliance Dept . ) was launched. 

On or around XX/XX/2021 I had phone conversations with Westlake Rep. XXXX XXXX XXXX ) who confirmed that Westlake Financial Services had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time Westlake Financial Services has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( 3 ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
XXXX XX/XX/2020, both consumers entered into a private consumer credit transaction with INTERCONTINENTAL CAPITAL GROUP. The consumer did not enter a residential mortgage transaction with INTERCONTINENTAL CAPITAL GROUP because INTERCONTINENTAL CAPITAL GROUP did not lend any money to consumers to get said dwelling both consumers funded any alleged " loan " with their open-end credit. Per American Jurisprudence 2d 358 inasmuch as it is a general rule that a bank does not have the power to loan its credit to another by becoming guarantor or surety for the performance of the other 's obligation in a transaction in which the bank has no direct interest or from which it does not derive benefit banks etc are nothing but service agents, administrators, swap companies and etc banks can not claim to be creditors. INTERCONTINENTAL CAPITAL GROUP needs to provide material disclosures and GAAP to prove they lent consumers any credit in fact. I rescind my consumer application due to an unconscionable transaction, per XXXX CFR Part 1026 ( Regulation Z ) 15 ( a ) ( 2 ). Now INTERCONTINENTAL CAPITAL GROUP is in FTC and SEC Fraud. Pursuant to 12 CFR 1026.15 Right of rescission. ( a ) In a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind there was a security interest stated in the contract, therefore, this transaction is rescindable... I am the depositor and true creditor for this account, therefore you never loaned anything Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper security I also provided a promissory which paid for transaction 15 USC 1692h INTERCONTINENTAL CAPITAL GROUP has received payments on this alleged debt and affiant has the right to direct INTERCONTINENTAL CAPITAL GROUP to return all payments

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE XXXX, TRANSUNION, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE XXXX, XXXX, EQUIFAX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE EXPERIAN, XXXX, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: OPTUM BANK, INC.
State: AR

Complaint narrative:
XXXX transferred my HSA in late XXXX. I got my first statement in XXXX XXXX. 
XX/XX/XXXX I called asking for a closing form. I was told I had to wait 24-48 hours for that to process. 
XXXX I called. XXXX said she would add a 'ticket ' to the request. I was told to wait 24-48 business hours. 
XXXX I called. XXXX immediately emailed me the closing form and explained that I needed a 12-digit account number and the 16-digit access number which should have been sent to me separately. I had not received this and asked for these to be sent as this can only be done by mail. 
XX/XX/XXXX I calledXXXX said the kit had been mailed XX/XX/XXXX and the card on XX/XX/XXXX so I should wait. She said they are sent in " unmarked white envelopes. '' XX/XX/XXXX I called. XXXX said that the account had been closed and a check had been mailed on XXXX XXXX. She refused to state where the check was mailed. ( XXXXXXXX XXXX XXXX, at my request, had mailed a request to transfer the HSA in early XXXX ). XXXX now refused to remail the kit and card because the account was " closed. '' XXXX I called because neither I nor XXXX XXXX had received a check. XXXX stated that the check was mailed XXXX and she did not know why XXXX would say XX/XX/XXXX. ( though I notice that that way I was prevented from receiving my needed account numbers ). She refused to say where the check was sent. 
XX/XX/XXXX I checked with XXXX XXXX. They had not received a check nor had I. 
XX/XX/XXXX I spoke to XXXX who had assured me they could help if there were any problems with the transferred HSA. After inquiry, they found that because the HSA had been transferred twice and also because of the privacy act they could not give me any account numbers or help me in this matter. 
Both XXXX and XXXX refused to say where my money was sent. XXXX seems to have made up the XXXX XXXX date and thereby continued to deny me the account numbers I needed to control my account. Not until I talked to the 3rd person did some one stop pretending they could not immediately give me a transfer form. 
My money has effectively been stolen by XXXX XXXX XXXX XXXX I can not get access to it. I do not know where it is.

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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received notice about 2 months ago that the name on my account with Chime does not match IRS records. The IRS has my maiden name, but my legal name ( on my ID ) is my married name. They said they were sending me something to fill out and send back. It took several weeks to arrive, and I filled it out and returned it the next business day after I received it. All it said was that if I didn't send it back by XX/XX/XXXX, my account would be subject to withholding. 

A few days ago, I got an email that my XXXX XXXX account was closed. So I tried to log into my account and my entire account was closed. So I immediately emailed their customer service. It took several days, but they responded and told me to send them a copy of my marriage license by email and they would reopen my account within 5 business days. So I sent it to them immediately. 

Another several days went by and they just emailed me again saying they need me to send in the W2, which I already have. Now my direct deposit is not going to go through, because they didn't reopen my account like they promised they would. 

I have already proven my identity, and that my legal name IS the same one on my account, but they are asking me to change the name on my account to the one the IRS has, but that is no longer my name! If I change the name on my account, they will no longer cash checks made to my legal name. I know this, because my stimulus check was issued to my maiden name and Chime refused to cash it because it wasn't in the name that's on my account. I do not want to fraudulently use a name that is not my legal name, as they are asking me to do. 

I also tried to call them earlier. Their system detected my phone number and said, " We see your account has been closed. Please email our 24/7 support. '' But I've already done that and they are taking DAYS to respond each time. At this rate, it will be months before anything is resolved. And they're insisting the name on my account NOT be my LEGAL name!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Investigate these errors with the creditor reporting the information and remove any information the creditor can not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I sent a check in on XX/XX/21 in the amount of XXXX dollars. The bank said it was cleared on XX/XX/21 but the payment was never credited to my account. And Everytime I call I get someone overseas and they dont understand me.

Company response to consumer: Closed with monetary relief