vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$150.00}

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 2022-07-19 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: CA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit
State: TX

Complaint narrative:
I purchase a car in XXXX. I provided documents that I never receive my contract from the dealership until after the first payment was due, I reach out to the finance company reach is Audi to confirm is they my new company and I was told on several time I do not have an account with them. When I finally made contact with the finance company. I had the Advocate from Audi financial on the phone and we both realize that Audi financial had my address incorrectly in their system. On XX/XX/XXXX of 2022. I was told that says my address was wrong with the system they would not charge me any lea fees or report delinquents to my credit bureau and get the information updated. Ive been trying to rectify the situation for the last several months I received a call from manager that told me that they were not correct my credit reporting system the dealership were not meant to the fault. Even though the finance company admit that they had the wrong address in the system did not make any communication to me for the last several months prior to my first payment due date. This is very unprofessional I really do not want to do business with them my credit score has dropped very bad according to my credit reporting it states that I did not make a payment in XXXX I was never late in XXXX I made a payment on XX/XX/XXXX and I reported that to the credit reporting agent and provided proof that I made a payment. I have made several attempts with the credit reporting XXXX XXXX and XXXX XXXX with the proof of payment and they still have not updated my credit reporting has never been late. Im following a formal complaint against XXXX XXXX XXXX Audi financial and XXXX and XXXX for not doing do diligence when it comes to my financial well-being on my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX XXXX froze my account which at the time didn't have a direst reason and was federal money which was my unemployment money and were not suppose to during covid. Another problem with different bank was Huntington bank. For my unemployment also. I set up my bank account for only money to come out of my account ONLY if I withdrew it in person at the bank. They allowed electronic transfer from my account from new York. Which put my account in negative. They fully didn't reimburse me. They charged me for over draft which I didn't have. They gave me a runaround about getting money that was transformed from unemployment to XXXX XXXX XXXX after they froze my account. Then was suppose to give me that money that was withdrawn from my account which was XXXX and something. I only got back XXXX then sent it back to unemployment instead of me. I have photos of electronic check and money going in and out if my account during that time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I discoverd on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with it. And, Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX XXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
I sent a verification letter to the account that appeaed on my account. In the letter was a request for information on the debt when it was owed how much was owed from the original creditor so that we could move forward with the account, this was mailed on XX/XX/XXXX and still have not received a response regarding the debt.

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Due to covid-19, my mortgage was in foreberance since around XX/XX/2020. In XXXX of this year I filled out loss mitigation paperwork so that my loan could be modified.. Flagstar sent my loan modification paperwork, I signed it and mailed it back in.. I spoke to someone a couple of days later and they confirmed that they received it. So, I started making payments ( over the phone with a customer service rep, because I couldnt make any payments online ) based off of the loan modification agreement. I did this for 3 to 4 months up until about 2 weeks ago, when I tried to make a payment but was informed that I couldnt because my home was in active Foreclosure. I spoke to many different phone in regards to this issue, but no one helped.. I had to resubmit the Loss mitigation paperwork, however, I have tried to fax them ( more than 10 times ) with no luck, Ive also tried to upload them to flagstars website ( about 3times ) also, with no luck.. I dont know what to do, I feel like this is intentional. Please advise, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

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 2022-07-19 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:
By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXXXXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
Debt collector is attempting to add {$400.00} of fees in a 2-3 week period for a {$100.00} debt. There was no prior or legal agreement with their company that allows them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

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 2022-07-19 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: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: CA

Complaint narrative:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX, im a federally protected consumer, and I am making this complaint against SMITH, ROUCHON & ASSOCIATES, INC for committing identity theft. I have never given SMITH, ROUCHON & ASSOCIATES, INC any permission to use any of my identifying information to commit fraud by communicating to me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SMITH, ROUCHON & ASSOCIATES, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SMITH, ROUCHON & ASSOCIATES , INC continues its collection efforts, I will file for litigation for actual damages caused and SMITH, ROUCHON & ASSOCIATES, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, & securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202 ( f ). Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: MO

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I, as a federally protected consumer, have reached out to Capital One 3 times via certified mail in regard to 3 accounts and requesting information in which I have yet to receive neither a response nor the documents and information in which I requested. The certified mail for each separate correspondence is posted as received on XX/XX/2022 @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022 Citibank allowed the unauthorized transactions of a man Ive never heard of to change my account over to his information and then allowed him to transfer all of my money from my savings to checking and then proceeded to wire transfer himself {$65000.00} dollars out of my account. I never approved any of this and have never done a wire transfer in my over 40 years of banking there. I contacted Citibank immediately after seeing an email saying my transaction went through. I was on hold for 3 hours Before reaching fraud department. I went to the branch the next morning and made almost daily phone calls. I was never reassured of anything or treated properly. I was told different things by different people. I was promised an investigator would call me on the case, told letters would be mailed out. I have received no phone calls or letters at all from Citibank. Never spoke to the investigator they promised would call. They told me to give it 60-90 days. I have no XXXX to pay bills since XX/XX/XXXX. I was told on the phone last Friday my claim was denied and I was told I wouldnt get my money back. They told me a letter was sent. I have never received the letter. They allowed all of my life savings to be stolen from me. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
In accord accordance with the federal credit act XXXX XXXX has violated my rights. 
15 U.S.C 1681 ( 4 ) 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.

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: MO

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-07-19 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: MO

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation