vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-18 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: VA

Complaint narrative:
I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX. I have never applied for a mortgage loan in 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 explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
i discovered on my XXXX report i have the following collection -Collection Agency XXXX XXXX Balance Date XX/XX/2022 Original Creditor Name XXXX XXXX amount {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. I uploaded what this company provided to me for validation. There is NO WAY these charges belong to me. Where did I sign to authorize? What was done to accrue these charges? 



Please help, the information listed shows as follows seven accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I have XXXX. I have been out of work for 5 days and have not been able to work my second job either. I called Flagstar Mortgage on XX/XX/XXXX and was advised that they could request a forbearance for me but there were no guarantees. I have been trained in disaster relief for forbearance from the company I work for and do not understand why I am being told I may not qualify for a disaster forbearance. This is not the first time I have had issues with this company. In XXXX of XXXX I cashed a check from them that bounced and ended up having to pay {$14.00} in bank fees ( that to this date still have never been reimbursed. ) the customer service at this company is deplorable. I have even dealt with escalation agents who have been down right rude to me. I still do not have confirmation on my forbearance, and have been told they are waiting on approval from my investor. At the company I work for no one has ever had to wait for approval from an investor to put someone on a forbearance. This company should truly be investigated for their practices. Thank you

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 2022-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a credit card with chase bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in construction. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by chase bank but last year in XXXX it was sold to a different collection agency by the name of XXXX XXXX XXXX XXXX and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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 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 these accounts deleted or updated. These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 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 written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
I received a letter on XX/XX/2022 from Payliance debt collector that it said a have to pay a debt from XXXX of XXXX XXXX I sent back a letter to explain that t debt was not mine, I did not make any transaction on XX/XX/2022, and I have my bank statement from this period to prove it. I was trying to contact the phone number that the letter provided but was disconnect. please, I need your help, because I believe I have been a victim of identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX pulled her credit report this month and saw a tradeline from Barclays Bank that she is a co applicant on and she does not know where this tradeline came from, nor did she ever give her consent or sign any form of documentation that gives her consent to run her credit or social security number. She is in need of help to remove this foreign tradeline from her credit completely.

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 2022-07-18 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: FL

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of unauthorized inquiries were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following unauthorized inquiries from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have asked XXXX Credit Reporting agency, Equifax credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to XXXX was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

XXXX has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure XXXX did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 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:
Hello I am submitting this complaint without error or influence of any third party agencies. Please see my attached documentation as it contains my request.

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 2022-07-18 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. XXXX knows I never gave them written instructions to put false stuff on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a disgusting experience with citi bank. I was asked to verify my identity with citi bank and I did, I provided all government documents and I was able to login again but I stopped using citi bank card because the card was horrible it didnt work more times than I can count so I logged in again and tried to tell a representative but they told me that I once again have to verify my identity for absolutely no reason AGAIN. Everyone that works with citi bank is terrible. I get into my account and I find unauthorized deductions from my account for a check fee yet I have never touched a check from these people and so I brought it to a representative the quarter wit wanted to play like it wasnt there and I wish I recorded every single one of their call with me. I left the account alone because I was so ready to just head to citi bank extremely aggravated. I come back to my account to see that according to new updates to citi bank I no longer have any overdraft fee charges but these people still want me to give them money so none of this made sense, I check my statements to see that I owe nothing and they keep messing with me still! Every time you get on the phone with these people they force you to just between several departments and several different numbers, everyone that works there needs to be fired for lying and horrible help. I made sure to take screenshots of the proof and only when I found out I owe nothing these people closed my checking account to hide

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 2022-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continually ignores my request for dispute and ignores my comments about being a victim of identity theft. I sent Experian an FTC Identity Theft Affidavit which I am allowed to do per my consumer rights. Experian not only allowed fraudulent inquiries, Experian continues to report a fraudulent account on my credit file as well. Experian states they verify the information with the data furnisher. However Experian couldn't possibly verify it with the data furnisher because I never received the account nor ever signed any application. I did not register the accounts and I did not receive any monetary transactions from these account 's. My wallet was stolen and my identity was used fraudulently to obtain these account 's. I do not know who the thief is, and I do not know who obtained the information. I have made it clear and in detailed my victim statement. My Social security number was used without my permission to obtain these account 's and or apply for these account 's. The companies involved DID NOT Clear my extended fraud alert before opening these account 's and Experian states they verify information however the company confirmed they didn't clear my alert. These are Extended fraud alerts / victim statements that the company chose to ignore. 

Fraudulent Accounts - XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - XXXX Balance {$2200.00} ENTIRE BALANCE and account fraudulent no application was submitted no application was signed. 
Date Opened - XX/XX/XXXX XXXX XXXX Bank {$590.00} Balance Date opened XX/XX/XXXX. No contact information account never applied for fraud alert wasn't cleared nothing was obtained no card was received. 
XXXX XXXX XXXX  XXXX XXXX Balance {$150.00} Date opened XX/XX/XXXX Fraudulent application loan never received no proceeds were received opened by thief. Company was notified. 
XXXX XXXX XXXX Date Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX The accounts listed above and inquiries were the result of identity theft. This information is not to be collected upon as I am notifying you of my dispute. These are fraudulent applications, There is an extended fraud alert on my credit file the creditors ignored. I did not receive any cards or proceeds from these account 's.

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 2022-07-18 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: TX

Complaint narrative:
In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

XXXX XXXX Bank ( account # XXXX ) and TD Bank USA/Target ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for the Chase Southwest Rapid Rewards card in XXXX of 2022. I was approved and the card was sent to my mailing address. When I received the card I activated it and starting using it. Literally days later I started having issues with the company locking my card. I called in numerous of times and told them I was using my card and that all transactions were valid. The company decided out of the blue to close my account because they thought I was a victim of identity theft. I confirmed with the company that it was not identity theft and that I was using the card. I requested that they open my card back up and they denied me. THIS HAS ALSO HAPPEN TO ME IN THE PAST WITH THIS COMPANY I HAD A CHECKING ACCOUNT AND IT WAS CLOSED FOR NO REASON.

Company response to consumer: Closed with explanation