vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: MoneyLion Inc.
State: TX

Complaint narrative:
Moneylion Inc Account XXXX is not mine, and should be deleted immediately, and for this reason alone. However, it is clear that this is being falsely reported, and that the information is incorrect thus the account should be deleted for the following reasons : 1.There is pending litigation with this company over predatory lending violations, which demonstrates that this company is unscrupulous at its core. 
2. Across multiple CRAs the account open date is listed differently as XX/XX/XXXX and XX/XX/XXXX XXXX. The stated balance is {$310.00}, but upon looking at the payment history the balance jumps from {$300.00} to {$310.00} on XX/XX/XXXX for no logical reason. 
4. Payment history is reported as none for XXXX, OK/nothing/OK for 11 months then nothing and OK for two months followed by nothing on XXXX, and charge off on XXXX for all months in the same time period with exception of one.

5. High credit is reported differently as {$430.00} and {$500.00} across all CRAs.

6. Past due amount is listed as {$310.00}, but the payment history reflects {$300.00} around the time it was charged off, and the amount that was charged off is listed as {$430.00}. 
7. The date last active is reported as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all CRAs. 
8. The date of last payment is reported as XX/XX/XXXX and XX/XX/XXXX across all CRAs.

Not one piece of information is being reported accurately, and this is a violation of my rights under the FCRA. I kindly ask that this account be immediately deleted from my credit report across all CRAs, and any collection efforts now and in the future cease. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Credit bureaus are reporting wrong names and addresses.

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 2022-03-22 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: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
After I made a payment to Loancare, my mortgage company, for the XX/XX/XXXX payment, I decided to set my account up on their automatic payment system, so it would never be late. I am always careful about getting my mortgage paid and thought automatic payments the best way to stay on top of payments. So in XX/XX/XXXX, I set it up on Loancare 's auto payment system. I thought it would begin immediately for the next month payment of XX/XX/XXXX, but I found out otherwise when I got a late notice from Loancare. This was simply a lack of knowledge on my part, that the auto pay would not kick in for over 45 days. When I called, Loancare told me it would not start the auto pay until XX/XX/XXXX. So I immediately paid the XXXX XXXXpayment within the XXXX XXXX day period. This was during the Covid 19 pandemic, when everyone, includng my son, had lost their jobs. The payment was less than 2 weeks late, and yet it has effected my credit score negatively, because they reported it to all 3 credit bureau 's. I humbly request that you remove the negative reporting sent to all 3 credit companies, on this simple delayed payment, under the terms of the Covid 19 Pandemic.

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 2022-03-22 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: VA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have submitted several remit coupons to Target and they have either denied or mail returned my accounting 's. I have resent several times certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB, reported on my credit as an inquiry in which I was never made aware of this company in anyway. Reached out to the company to let them know what was going on and I have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: LA

Complaint narrative:
I have been the victim of ID theft and have had numerus fraud accounts opened in my name over the years. It has been a nightmare trying to resolve all of this!! The most recent fraud account was opened with XXXX XXXX XXXX XXXX XXXX  XXXX it was opened on XX/XX/2021 and closed on XX/XX/2021. I was recently made aware of this account and have reached out to both creditor and Transunion about this account. I filed all the required and necessary paperwork. The other credit bearus have removed this account and deemed it to be fraud! TRANSUNION for whatever reason will not remove nor block this account! I've disputed it several times and nothing ever happens. i don't even get anything in the mail regarding the dispute. They honestly don't seem to be doing anything!! Per the FCRA they are required to block and or remove this account if the correct documents are submitted with this dispute, which they have been on more then on instance. Also transunion has my SSN incorrect and i can not get them to correct it for some reason. Ive attached a copy of my SSN card showing my correct SSN i ask that it be fixed ASAP. My contact info is as follows XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX SSN # XXXX PHONE 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 2022-03-22 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: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

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 2022-03-22 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: TN

Complaint narrative:
On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.

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 2022-03-22 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: PA

Complaint narrative:
I have fraudulent accounts on my credit file and would like them removed. Providing you with identity theft report. I have already provided a police report. XXXX XXXX XXXX is still on my credit report after I have contacted them and you numerous times. XXXX has verified inaccuracies and removed. Why won't you Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: DE

Complaint narrative:
To Whom it may concern : I have been a victim of Identify theft with a creditor name XXXX. In XXXX of XXXX I was informed by my mortgage company there was a file listed in the XXXX XXXX XXXX XXXX  for a Judgement against me for {$5400.00}. I was not aware of the Judgement against me was never inform as not even a letter sent to me. I was informed to contact The Bureau Investment Group to find out there was a credit card in my name for {$3000.00} dollars first of all I do not use my maiden name the credit card account supposed to have been open back in XX/XX/XXXX according to The Bureau Investment group I had no idea of a credit card in my name for {$3000.00}. I never had a credit card for that much in my name ever I don't go around opening up credit cards. On XX/XX/XXXX I talked to a XXXX XXXX from The Bureau Investment Group I asked did he have any information far as a copy of the credit card application showing my signature he responded no I explained to him that I been a victim of identify theft he told me he will send me an form affidavit of forgery along with a copy of the court Judgement. I have received the affidavit form and I returned it back to The Bureau of Investment for Investigation. In XX/XX/XXXX I had contacted the Bureau Investment to see if they had received my Affidavit forgery form back and I spoke to a XXXX XXXX she said they had received it along with a police report notarized and all. I asked XXXX XXXX do they have any application showing my signature to this credit card fraudulent application she reply no also XXXX XXXX told me to call back because The Bureau Investment will disclose the account because it has been to long over 20 years. I called back in XX/XX/XXXX to get some information on the investigation due to the pandemic no one in the office. I called again back in XX/XX/XXXX spoke to a XXXX XXXX he started to disrespect me on the phone and accuse me of the credit card account that I have been a victim of identify theft he never mention to me about the investigation that The Bureau of Investment was supposed to do on the account. The Bureau Investment Group was giving me a bunch of run around no investigation done on the account. I will not be responsible for a Identify theft that happen to me and I showed all my credentials to this company XXXX prove to them that I have been a victim they are trying to get me to pay back money to a company I have no knowledge of. I'm starting to believe this company is a fraud The Bureau of Investment I haven't heard anything from them. Please help I would like to have this case close with the XXXX XXXX XXXX XXXX to close out this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to TransUnion requesting proof of the public record. The dispute was closed and I received no documentation or communication from them. 

On XX/XX/XXXX I called TransUnion and spoke to XXXX and asked for method of verification they used to determine bankruptcy as accurate and a copy of the information. She said my account just showed verified as accurate with no additional information. I requested the item be removed because FRCA says Im entitled to a method of verification and if they can not provide one, they have to remove the item. I was placed on hold and then told she could not give me any more information. I asked to speak to a manager and was transferred to XXXX and again, asked for the method of verification and she stated it was validated by a transunion professional vendor but would not provide detail. She said I needed to call the Bankruptcy Court and gave me their phone number. 

I believe TransUnion has violated my rights under the Fair credit Reporting Act because I have requested documented proof of how they verified this record on my credit report and they have failed to do so twice via two different methods of communication.

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. 

Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. 

And one inaccurate name. Accounts that are inaccurate are XXXX, XXXX, XXXX. Employment that is inaccurate is XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I received a letter in the mail on XX/XX/2022 from a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, regarding a debt in the amount of {$2800.00} from Providian Bank CD/Card. It was sent to me in my maiden which I haven't had in15 years. 

In the letter it says it is trying to settle a debt for Providian Bank CD/Card and that this payment is due in their office no later than XX/XX/2022. Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. 

I called the XXXX  in New York and talked to a man and explained to him the situation and he said not to get in touch with the company, to call my Attorney General and report, file a complaint with the XXXX in New York, and to report to the FTC.gov ( Federal Trade Commission ). I am following the XXXX  's advice. 

The situation is I have NEVER done business with Providian Bank CD/Card. I have NEVER been contacted or informed by anyone or business about this NEVER. There is lots of frauds going on, that is why I called the XXXX  to find out how to handle the matter.

Company response to consumer: Closed with explanation