vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: NY

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 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 2021-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Global Credit Solutions LLC
State: FL

Complaint narrative:
i went to a dealership with a existing bank loan, and they told me there was no need to run my credit. They still ran my credit multiple times and never told me about until i get a letter in the mail from a bank ive never heard of. i should only have one inquiry on my credit reports and thats the loan i i took out. which like i said before, i had ready before i even went to the dealership

Company response to consumer: Untimely response
Consumer complaint received 2021-06-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
When I go to apply for a bank account, I am being denied because XXXX XXXX is still showing a debt of XXXX that has been paid. I've spoken to XXXX XXXX and Bank of America about this situation. I have documentation showing this debt has been paid on Monday, XX/XX/2021. I would like to have this debt disputed so I will be able to open up a bank account. 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 2021-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to order a part from this company XXXX XXXX  They didnt have the part in stock but you can preorder the part so as soon as they get it in they will send it out. XXXX XXXX is partnered with a company affirm. You can use affirm to make a payment and pay back installments.I used affirm cause I did not want when the part came in I didnt have the funds available. So after 2 months they still didnt have the part. On XXXX I canceled the order, I received a email confirmation order was canceled. Later that month I received a bill from Affirm saying payment was due. I called Affirm & told them that ordered had been canceled. They informed me that it takes 2 to 3 weeks for cancelation to process. So I made a payment with the assurance that it would be refunded as soon as the cancelation was processed. On XX/XX/XXXX I called XXXX XXXX to make sure that the order was canceled and the information was forwarded to Affirm. Again I received a confirmation email of cancelation and told Affirm had already been informed. XXXX comes around in receive another bill from Affirm for payment again I call Affirm they tell me they have no information about cancelation. I was instructed to send a copy of letter from XXXXXXXX XXXX of cancelation. I did received confirmation that it was received. I called XXXXXXXX XXXX again and was told they dont know why Affirm keeps telling me to call them because there is no money to refund cause order never processed cause item never came back in stock and they already sent them confirmation of cancelation and thats all they do. I call Affirm again and now not only are they saying they didnt received anything from XXXXXXXX XXXX they also saying they never received any of my emails with the confirmations, and that I am responsible for the money even though XXXX XXXX say they never charged Affirm. This been going on for 4 months now and Affirm refuses to call XXXX XXXX or investigate but keepa telling me Its my responsibility. XXXX XXXX telling me there is no money there was no payment made to them so there is nothing to refund and they dont deal with the customer when affirm is involved and they gave me everything already. Affirm has put this on my Credit report and calling me making threats and told me recently that it is to late for them to file a grievance with XXXX XXXX cause its pass 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I received a mortgage from the Veterans Administration ( VA ) for my home at XXXX XXXX XXXX XXXX, XXXX PA XXXX. After making 22 years of payments on my loan, my mortgage was transferred to a new mortgage company Shellpoint Mortgage in XX/XX/XXXX. Shellpoint Mortgage has stated that they have no record of my 22 years of payments. Shellpoint Mortgage states that I owe them {$71000.00} and I am on a new 30 year mortgage plan. My original mortgage amount in XX/XX/XXXX was {$65000.00}. Shellpoint Mortgage is committing fraud against my mortgage, they have stolen 22 years of my mortgage payments and fraudulently put me on another 30 year mortgage. I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB CARD XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX -Never Late for this account. After I moved the bank never update their file. Im not sure if they ever did. Please ensure all info is true, accurate and correct including all spelling, address, name etc. Remove ALL negativity or delete form my report. 

AMEX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Financial Credit Network Inc
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-21 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: TX

Complaint narrative:
Reporting inaccurate information part # 1 : Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While XXXX  is reporting the opposite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both Transunion and XXXX are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both Transunion and XXXX to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.

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 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX  credit score and 13 points from my XXXX  credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021, I sent a letter to XXXX, XXXX, and Equifax to dispute to 2 public record accounts ( bankruptcy ), 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft. 
The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX is the alleged debt amount XX/XX/2019 Westlake Financial Services And XXXX XXXX listed there corporations as Creditors of I the Consumers Loan and listed me as the borrower of the Loan and credit i Created According to 15 U.S. Code 1692a - 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 
According to15 U.S. Code 1692e. False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms

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 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am having a problem having my returns credited with Amazon credit card from synchrony Bank. 
I have the following returns, XXXX. Glasses XXXX I returned an XXXX. 
XXXX Shoes I tried talking 2 them. One person asked me what did i buy. 
Another was just rude. 
Another started talking about an account summary 2 weeks ago. 
I want to have my account credited.

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 2021-06-21 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: TX

Complaint narrative:
Reporting inaccurate information part # 1 : XXXX has XXXX XXXX XXXX XXXX XXXX XXXX XXXX : reporting " late '' for month of XX/XX/XXXX but on time XX/XX/XXXX. 
While Equifax is reporting the opposite : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : reporting on time for XX/XX/XXXX but " late '' XX/XX/XXXX. 

Reporting inaccurate information part # 2 : Both XXXX and Equifax are reporting a collection listed as XXXX XXXX XXXX : I sent a Debt Validation letter and have not heard back with my request for them to validate the debt nor have they responded at all and this was sent in XX/XX/XXXX, it is now XX/XX/XXXX. 

I want both XXXX  and Equifax to either validate the debt and " late '' payment correction or delete them all together as neither of these inaccuracies have been corrected nor validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
you are violating my consumer rights!!! I FEEL VERY HARASSED AT THIS MANNOR!! 
15 USC 1692g ( 2 ) states that Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;

Company response to consumer: Closed with explanation