vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I have given this collector more than sufficient opportunity to provide validation of debt and have yet to receive any validation. I sent a formal letter to the collector in XXXX and didn't recieve validation. I filed a complaint on XX/XX/XXXX with the CFPB and the collector didn't respond until XX/XX/XXXX. They claimed they sent validation via postal mail that day but nothing was received. I asked for the collector to confirm the following and they didn't provide any of it nor have they ceased reporting the supposed debt : -- Please provide a breakdown of fees including any collection costs and medical charges -- Provide a copy of my signature with the provider of service to release my medical information to your company or any individuals within the company. -- Cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX/XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX  XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

5.The following account is not mine XXXX  XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX  Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. 

XXXX 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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A credit Card was filed in my name and my social was used to apply for card. I wish to have this card removed from my credit history and hopefully have the person responsible held accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I placed an order with a company in XXXX on XX/XX/XXXX. I had 3 payments taken out of my bank account. {$600.00}, {$790.00} and {$1100.00}. The items were never shipped and I have been told in an email that they are not shipping. 
I opened a dispute on XX/XX/XXXX, but the XXXX company told me to close the dispute and they would ship, so on XX/XX/XXXX I closed the dispute.. then they never shipped. I tried to reopen the dispute with proof they were not shipping but Chime will not reopen the case. 
I have talked with XXXX, the company that I paid through with my bank card and they have stated that it is fraudulent and my ban should refund the money. I was not the only person this happened to, however Chime will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
Mountain run sent contracts with my forged signature to collect a debt that expired by statue of limitations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX a Bank of America Resolution Specialist have contacted us saying the following : " I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. 
Please contact me on XX/XX/XXXX to confirm that information. '' We called the Specialist on XX/XX/XXXX and we confirmed our identity. 
THIS SPECIALIST DID NOT EVEN TRY TO RESOLVE THIS MATTER. 
SHE SAID THE LOAN IS NOW SERVICED BY XXXX AND SHE GAVE US THE XXXX TELEPHONE NUMBER TO CALL. 
We are disputing the validity of this debt for the reasons already explained in previous complains. 
This matter will not be solved without the involvement of the Justice Department and the CFPB. 
XXXX  and Bank of America are by-passing the root cause of this complain which is the failure of Bank of America XXXXo process our Loss Mitigation Application, resulting in a " snowballing of the debt to unmanageable levels ". 
This debt must be validated, verified and renegotiated in compliance with CFPB regulation F, 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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I got an email from XXXX, the only big bank I have an account with, on XX/XX/XXXX that there was a new inquiry on my credit. It was from Amex, who I called and they said they had no record of someone trying to open a line of credit under my name with them. Then on XX/XX/XXXX I woke up to 2 new emails about separate credit inquiries, one from XXXX and the other from XXXX XXXX. Both said they received applications, but they got flagged as fraud so did not go through. I then called XXXX to freeze my account and add a fraud alert to prevent further attempts. They said they were removing the three inquiries and that the next step is reporting the fraud to my local PD or through the FTC website, so thats what Im doing here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed a certified letter XX/XX/XXXX to the Credit Bureau about inaccurate information regarding a 2 XXXX XXXX charged off account with inaccurate balances they responded stating I was not specific with my dispute. XXXX XXXX account XXXX XXXX this is a charged off account which has an inaccurate balance amount also with a past due amount listed has also inaccurate Date of First Delinquency, Date of Last Payment and Payment History please delete this account as it has inaccurate information Tracking # XXXX I also followed up with another letter for my dispute Tracking # XXXX XX/XX/XXXX Also the 3 credit bureau have different account numbers nothing matches I need these items to be removed asap none of the information the credit bureaus match

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 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
A PayPal account was opened in 2020 under my name. I have never opened or used pay pal. I reported this to the company and was put in a fraudulent account. Recently I was sent a letter stating I will still be responsible for this account. I have never had a pay pal account. Synchrony bank XXXX XXXX XXXX XXXX, FL. XXXX. XXXX. I also had a XXXX XXXX opened under my name and a j c penny 's card that was not attorized by me to be used. I put all of these under dispute. Have made two police reports, and I am still being ask to pay for these and they are not mine.

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 2022-05-17 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: MI

Complaint narrative:
13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have 6 collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXXXXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

5.The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXXXXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX 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 explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought a car with my fianc in XXXX it was this first time I have ever co-signed with anyone. I am XXXX XXXX XXXX and then I was only XXXX. He set up automatic payment for his new XXXX XXXX and it didnt pull it out in XXXX and we found out there was a late payment by looking on our credit. We immediately paid the balance and late fees and the late payment remained on our credit file. It brought our score down a lot and we are just starting to build a life together. I sent several good will letter attempts to get them to remove the late payment as we have made all of our payments on time for the last XXXX years. We have perfect payment history on the XXXX XXXX and our XXXX XXXX except for the late payment on the XXXX. We take full responsibility and learned from our mistake quickly. I just challenged the late payment this year because my new fianc and I want to buy a house after our wedding this XX/XX/XXXX and its hurting our score a lot. We dont believe this late payment properly projects our credit worthiness and have been subjected to a very high mortgage rate as first time home buyers, not to mention in the most expensive city of XXXX XXXX XXXX Its extremely tough for us and Toyota Financial Services has done nothing to help despite our perfect payment history. I have read online people getting 3-5 late payments removed off their XXXX and theyre refusing to remove 1 from our perfect payment history of XXXX years. I feel this deserves a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by XXXX XXXX, or equifax. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17 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: NY

Complaint narrative:
I have reviewed my credit report today XX/XX/22 and have found that unauthorized inaccurate late payments are being furnished to my credit report. I did not give written consent to have transactions between the furnisher and myself to be reported by experian, XXXX, or XXXX. A consumer report should EXCLUDE transactions and experiences between the consumer and person making the report, that is stated in 15 usc 1681a ( 2 ) ( A ) ( i ), so why is payment history being reported? please see attachment for details

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