vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates
State: NY

Complaint narrative:
This company has had a private phone number call me numerous times saying that I need to sign court documents and that they will be at my house. I received phone calls threatening to serve me by the end of day with court ordered documents. 

They called on the following dates : XX/XX/22 XX/XX/22 XX/XX/22 I do not have a contract with this debt buyer. I would like the following provided to me : 1 ) An explanation of what this alleged account balance is for. 2 ) Acomplete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. 6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) If LEWIS ***************************** can not provided me with all of the following I request that this debt nullified and removed from my credit profile. Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC ****c ), You are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, telephonic communication and reporting this account to any consumer reporting agencies. 

I demand that you delete this tradeline from all consumer reporting agencies immediately. I am being harrassed and intimated by them and need it to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing 3 accounts with equifax since XX/XX/XXXX XXXX equifax had deleted 1 of the accounts in regards to that dispute but NEVER sent me written results on the deletion on the remaining 2 accounts. XX/XX/2022 I sent equifax another letter specifying why were the remaining two accounts not investigated. I have not heard any correspondence nor have gotten results in regards to that dispute. it is now XXXX XXXX XXXX and I checked for a update on there website and I noticed both accounts still have not been investigated due to lack off notice of a investigation completion or a investigation in progress notice from equifax in the comments section on both accounts. I believe equifax is practicing non compliance procedures and illegal practices. it is not fair that I have to wait all this time by giving them there respectfully business days to complete there thorough investigation just to confirm that they had not done a investigation to begin with. equifax procedures are causing my credit file much damages because it is defaming my character to gain new credit line opportunities. equifax never sent me written results nor all legal disclosures that should be attached to there results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

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 2022-12-05 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: IL

Complaint narrative:
In XXXX of 2022 the credit reporting was made aware of fraudulent accounts being reporting due to identity theft fraud. They did not do a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: RI

Complaint narrative:
In XX/XX/2022 I put a deposit on a vacation for the amount of {$1800.00} using my Barclaycard. In XX/XX/2022 I received my statement and paid off the balance in full. 
Due to the vacation area unfortunately bearing the full impact of Hurricane Ian in XX/XX/2022, I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX and cancel my vacation and retrieve my deposit back. They refused. I put in a dispute with Barclays for the charge of {$1800.00} in XXXX of 2022 and that amount was credited to my account. I asked for Barclays to be send it back to me in the form of a check as I had cancelled my credit card and I was sent the amount of {$1800.00}. 
I did not cash the check as Barclays was contacted by XXXX  who told them I had to pay the deposit. Barclays sided with XXXX and closed my case. 
I sought legal representation and the lawyer managed to get XXXX to agree to cancel my vacation, as they were unable to provide me with lodging. 
Barclays is saying that they are unable to obtain funds from merchant, and XXXX is saying funds were released to Barclays in XXXX upon my initial dispute. 
Barclays now have sent me a statement, as they believe that I owe them {$1800.00}, and it is collecting interest daily. They have sent my information to the Credit reporting agencies. 
I have spoken with many different representatives ( 25 plus ) and they are unable to help me, nor fully understand the problem. Each time I call I have to speak with a different person, who gives me different answers. They have truly complicated a very simple 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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At the same time I was receiving numerous strange credit confirmation emails and phone calls, XXXX notified me that my credit score, obtained from Equifax, suddenly dropped from XXXX to XXXX on XXXX XXXX. I immediately went to XXXX to get a free copy of my Equifax credit report, but the several questions it asked online to verify my identity often didn't apply or applied to periods so far back I could not recall answers with certainty. It asked for a mobile phone number and tried to send me a text. Problem : I don't text and the only phone I use is a lined telephone, which is the phone number I entered! I became especially concerned because XXXX Equifax online questions inquired about an auto lease. I NEVER had an auto lease in my life! I called Equifax and went through a long automated system before I finally got to an agent who started to ask me personal questions to verify my identity -- only to turn me over to another automated system that had me evaluate the agent. 

Thus, my problem was never resolved and I fear somebody might have stolen my identity!!!!!!!!!!!!!!!! 

If my identity hasn't been stolen, the only credit changes I made in the last year are XXXX ) I forgot I had an alert on my credit file due to prior breaches and tried to open a XXXXXXXX XXXX credit card in XXXX to take advantage of a discount on a single item -- only to receive an adverse action letter due to my credit alert. I still received the discount. XXXX ) My husband and I stopped using our XXXX credit card when it changed banks. XXXX ) I opened a XXXX credit card account -- for the sole purpose of taking advantage of a 30 % or so discount on a single purchase around XXXX. I never even activated that account! 

Certainly those changes don't seem to merit a near XXXX drop in a credit score!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: OH

Complaint narrative:
XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at XXXX. I was notified via email and immediately called XXXX and submitted a dispute on Equifax. XXXX saw no account opened, but assured me that they would send communication to Equifax, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX ( DISPUTE CODE - XXXX ) Hello, my name is XXXX XXXX and my personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized accounts. Ive attached a police report pertaining to the incident and sent it to Experian. In accordance with the Fair Credit Reporting Act multiple unauthorized accounts I have found on my credit report please immediately delete and remove all inaccurate accounts I have listed. 

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX has violated my rights by reporting fraudulent information across my XXXX, Experian and XXXX consumer credit bureaus. I NEED this account XXXX XXXX XXXX  deleted from my credit report profile. 


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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I NEVER AUTHORIZED XXXX XXXX XXXX OR THEIR ORIGINAL CREDITOR XXXX XXXX TO USE MY INFORMATION OR DONE ANY TYPE OF BUSINESS ASSOCIATED WITH EXPERIAN OR ANY OTHER CREDIT BUREAUS. I HAVE FILED A POLICE REPORT ABOUT THIS ISSUE BECAUSE MY IDENTITY HAS BEEN STOLEN THROUGH THE PANDEMIC AROUND XXXX. PLEASE REMOVE THIS DEROGATORY ACCOUNT I HAVE NEVER ASSOCIATED MYSELF WITH IT IS VIOLATING MY CONSUMER RIGHTS AND I WILL TAKE IT TO COURT IF THIS IS NOT REMOVED. 

- XXXX XXXX XX/XX/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 2022-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
In XXXX of 2021 I closed on a XXXX XXXX XXXX XXXX XXXX loan 30 year fixed with company LoanDepot.Com. Through the course of the pandemic I faced a hardship and exercised my rights under the CARES act to request a 12 month forbearance. At the end of my forbearance period I requested a Covid 19 Flex Modification to add the payments to the back end of the mortgage. This is what was explained to me that I could do at the time i requested my hardship forbearance in XXXX of XXXX when the hardship was over, the company denied my covid 19 flex mod. They told me it was denied bc it was an asset loan and that i needed to provide them paperwork showing them it was a XXXX XXXX loan. I did, they told me two monthsafter my request that they had sold my loan and purchased it themselves. This is now longer considered an XXXX XXXX govt loan protected under the CARES act and they want the 12 months back payment in full. I do not have the money and they are threatening to foreclose on my property. This seems illegal to purchase the loan back one month prior to being able to request the flex modification and have them foreclose on my home. This is predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XX/XX/21 the amount of {$5600.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law. 
XX/XX/21 the amount of {$3300.00} was disputed for the second time, while asking for full verification the company has failed to comply by not providing a signed contract with a complete statement of accounting as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. XXXX  written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX  On record until XX/XX/XXXXXXXX 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 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

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 2022-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached an FTC report with an account and inquiries I did not authorize, please delete it is affecting my life.

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 2022-12-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

XXXX  Account # 1, 2, 3, 4 has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

XXXX  Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a debit card for a checking account with chase that I did not open on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
in late of 2021 I open a account with XXXX XXXX XXXX and paid the {$99.00} annual cardholder fee. In XXXX I went to use the card and my account no longer existed. I called the number on the back of the card and they said they no longer had my account in their system. This is a fraudulent company. No financial purges account info in less than a year from their system. My receipt for the {$99.00} cardholder charge cant even be opened. I attached it

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 2022-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
XXXX Radius XXXX sent me an email correspondence regarding a debt that is not mine from XXXX XXXX XXXX and basically XXXX XXXX XXXXXXXX XXXX and saying they would like to settle with me for a couple of XXXX dollars {$240.00} debt total was {$600.00}. I sent an email correspondence letting them know the debt is not mine and called them. When I called they said the fraud department was busy and would call me back in XXXX hour which I know isnt happening because its a scam. I did verify last XXXX digits of my social security and as soon as I said the last XXXX numbers the representative says oh its not you but they will call me back. I got scammed like this XXXX  years ago and XXXX not and dont want to go through it again.

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