vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-14 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: NY

Complaint narrative:
Hello, I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. This is affecting me from getting my house for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: FL

Complaint narrative:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a vacation from a company that went bankrupt due to COVID. The company was bonded if XXXX customer, but I am a US customer. I was advised to file and dispute with Citibank. I did this and provided all documents to Citibank to include charge bank instructions. The company, XXXX, has not disputed the claim or argued the charge back but Citibank continues to not follow consumers laws by not resolving and finishing the dispute. They have also attempted to close the dispute though I have shown proof for all they need to handle the charge back.

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 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
This is a more detailed accounting of event that I never asked for or authorized. I have been in the XXXX XXXX XXXX XXXX  until XXXX of 2019 and I have asked this collection agency of verification of the dept. It is not possible to prove a debt that is not mine and the State of Texas can prove my XXXX 
I get no response from the creditor or collection agency when trying to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2020, I mailed an FTC notice to stop reporting fraudulent charges to Navy Federal Credit Union. Navy Federal Credit Union does not check the mail of the address that they listed on the credit report so I am uploading the notice here. 

Since Navy FCU is ignoring their mail. I forwarded the dispute to XXXX. XXXX refuses to submit the dispute to NFCU stating that they can not dispute a fraudulent item more than once. XXXX XXXX refusal to investigate new info is a violation of FDCPA I am making all efforts to avoid litigation. The erroneous information reported has caused me to be denied millions of dollars in Cares act funds and other credit, which is causing me millions in damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County
State: WY

Complaint narrative:
Collection Center, Inc. XXXX XXXX XXXX XXXX Wyoming XXXX. On XX/XX/2020 I called the mentioned company and spoke to XXXX XXXX. I called to pay off debt that was on my credit report. I asked XXXX for proof of debt due to the amounts she said I owed did not sound correct. XXXX explained the medical accounts had interest added on, not once was I told I was paying court cost or attorney fees. I paid {$1700.00} I never received proof of debt as agreed. I was then told I had another medical account for the amount of {$480.00} I told XXXX that I have no knowledge of this account and I need proof I owe this debt. I never received proof and XXXX lied to me saying it was just a clinic visit. On XX/XX/XXXX I called and spoke to XXXX and paid off the account {$480.00}. On XXXX XXXX I received payment transaction history ( not proof of debt ). On the transaction history I found that I was taken advantage of, not only did I pay medical accounts, I was charged for the principal, interest, COURT COST, ATTORNEY FEES. I never received/ served a summons and complaint, and I did not have a judgment entered against me. I have confirmed with the courthouse no action has been taken against me. I will list the amounts : Payment made : XXXX Principal : XXXX Interest : XXXX Court cost : XXXX Attorney Fees : XXXX This company charged me for fraudulent cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have reached out to this company on XX/XX/2020 ago regarding documentation for validation of this debt and how it belongs to me. company has never responded but continues to collect on it pass the FCRA rules of responding with validation within 30 days. This is unfair and damaging to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I have written Waypoint 2 disputes so far, and I've received nothing in the mail from them at all, no response! This is outrageous! They are reporting to MY CREDIT and they haven't sent me anything at all! This is a violation of the FCRA! Their non response is also a violation of the FCRA! They have reported a disputed debt, a violation of the FDCPA! They are flagrantly violating the law, and they have sent me none of the documentation they are required by law to send to me! PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
Velo Law is currently garnishing wages. I've sent communication to them, starting back in XX/XX/2020 to the address below but no information was given regarding this debt. How is this so? How can you garnish a wage, regarding a fraudulent debt and not provide any information? This debt appears fraudulent and now they're garnishing my wages without communicating regarding the debt. I would like this to cease immediately. 

Velo Law XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LEXISNEXIS
State: IL

Complaint narrative:
Lexis Nexis is a company that has taken CHILD SUPPORT information created against me and my family under, FRAUD, THREAT, COERCION and DURESS from the public record, re-created this information which is private and does exist as my intellectual property into a commercial file to be sold by their company without my consent. As this crime of consumer fraud and identity theft is being used to damage my family, i want this information removed from all databases that they sold my info that it may be utilized as i demand compensation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington credit is harassments me at working and on my personal phone.. Its already on my credit report and they wont stop call everyday.. I told them i don't have the money to pay do to my wife being off of work doo to covid. my job is getting a call everyday. and i have written messages from a boos that the lady 's are being really vlogger a rude. as my boss cant give any information about me. this needs to stop>>

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
XXXX through Loancare LLC began servicing contract XX/XX/XXXX and I made electronic payments from my credit union each month. In XX/XX/XXXX they notified me a payment had not been made. I contacted them and bank and we advised them of payment. Next month I received same message only now it was two months missing. Contacted bank and company again. 
Since then payments have been received and credited but still showing 2 months delinquent and has hurt credit report seriously. Now XXXX payment was returned to my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
TD BANK USA / TARGET XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX https : //www.target.com/redcard/about I am just asking for the Date of First Delinquency on my Td Bank Target Card . 

What is the date / year I become 30 days late and never did catch back up. You are not provided this information to me, nor are you providing this information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I received a notification that there was a Pay Friends transfer in my Chime banking account. I knew that I hadnt made ANY transfers and had my phone in my possession at all times. I logged in my account and {$740.00} had been transferred that was NOT authorized. 
I immediately disputed the item via online AND by phone. I was told to complete a form, which I compiled immediately and returned via email. Im not being told that it could take up to 90 days and that it is doubtful that Ill receive a credit. This was transfer to another Chime account so they have the username and all the information they need to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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:
15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company. 

They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I received my credit card statement from Bank of America. There was an item as follows : Transaction Date XXXX Posting Date XX/XX/XXXX ACH Payment Refund {$6900.00}. 

I immediately contacted BA  and was on the phone with them for about an hour. This was the amount of my previous credit card balance that I paid on XX/XX/XXXX. On XX/XX/XXXX, someone, not me, contacted BA  and asked that this payment be refunded to their checking account. I do not know who this person was. BA refunded my payment to this stranger 's account - no questions asked. And then BA recharged my credit card for this payment. It was clear to BA  during our conversation that I did not know this person and did not make this request. They gave me the last 4 digits of a checking account number and a person 's name and asked me if I knew this person or had an account with those digits. I said no. They said they would file a claim to resolve this issue. About a week later I called BA as I had not heard from them. ( Previously when I have filed a fraud claim with them, they have emailed me immediately informing me that they are working on it ). After being on hold for an hour and a half, I discovered that a claim had not been filed. A few days later, XX/XX/XXXX, my husband called them, again discovering that a claim had not been filed. He asked to speak to a manager and was told one wasn't available and they would have one contact him on XX/XX/XXXX or XXXX. No one contacted him. We have probably been on the phone with them a total of 10 hours all to no avail. I have not once received any notification that a claim has been filed. When I log into my account there is nothing in there indicating a claim has been filed and the charge is still on there. This is the reason I am contacting you to report this.

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 2021-01-14 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: CA

Complaint narrative:
Equifax and XXXX  are failing to review and/or research any of my dispute letters that have been sent regarding the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My current credit report stills shows these accounts as Account not Disputed. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. - - You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
I respectfully request that the bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the 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 explanation
Consumer complaint received 2021-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14 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: IL

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2020, XX/XX/2020.

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