vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have further looked into this debt being reported as my debt on all three bureaus and on the three different bureaus the reporting is vet different as if someone is trying to continually make this a new debt that I will not assume as my own as it it a result of identity theft, 1 XXXX  has this debt listed as XXXX negative payments with one on time payment being made in XXXX. It is also being reported as 76 % of the debt being paid. That is not true I had no knowledge of this debt until XXXX of XXXX when I reported the identity theft on this account. 

2 XXXX  has this identity theft debt listed as 26 negative payments with 3 on time payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX again stating 76 % of this debt has been paid off. 

3. XXXX  has this identity theft debt reported as 16 negative payments with again 76 % of this false debt paid off and 4 on time payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Finally if this were a valid account belonging to me wouldnt there have been a repossession long ago?? This is identity theft and I will pursue all action necessary to remedy this situation with Credit Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2021-07-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
1. My XXXX registered company is a paying customer of TransferWise Ltd. As part of its services to us, Transferwise has given us a bank account in the US with XXXX XXXX 
2. A customer of ours did a wire transfer of ~USDXXXX to our bank account on XXXX XXXX. This amount did not reach us. 
3. Our customer 's accounting section says that the funds have gone out from their bank account into the recipient bank account. 
4. This is an inbound transaction to our bank account via TransferWise. The funds are sitting inside Transferwise systems somewhere and they have failed to discharge their lawful duty in putting the funds into our bank account. 
5. On XXXX XXXX, I contacted TransferWise support with proof of the transaction asking them what's going on. 
6. Since then, TransferWise has been stonewalling and refusing to do anything, absolutely anything, citing " privacy issues ''. 
7. I fail to see what privacy issues are being quoted here. 
8. Imagine this - thousands of dollars have been transferred to us which TransferWise is lawfully required to transfer to our account. Not only have they failed to do that, they are not even willing to look into the matter. 

As a consequence of this, our essential working capital is stuck. We are a software XXXX  startup and we need to make many many different payments for our inbound services. Every day of delay in not receiving the funds from TransferWise means that we are unable to pay our suppliers, which severely hampers our ability to serve our customers, which means we dont generate any revenue - its a massive cascading effect which can sound the death knell to a startup that has just been incorporated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18 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: National Consumer Telecom & Utilities Exchange, Inc.
State: NV

Complaint narrative:
Regarding closed complaint # XXXX On XX/XX/XXXX I received a letter from the National Consumer Telecom & Utilities Exchange stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. Per my first complaint, I tried repeatedly to contact them unsuccessfully. 

Once I filed my initial complaint on XX/XX/XXXX, XXXX at the NCTUE contacted me by phone to figure out what was going on. We went back and forth. She couldn't find anything. I emailed her a copy of the notice on XX/XX/XXXX and a smaller copy of the notice on XX/XX/XXXX because my 2MB photos were too large for her email system to take at first. We went back and forth again, and she said she would send the copy of the notice to her bosses to figure out. 

I was patient and waited. On XX/XX/XXXX, I emailed her again to ask for an update. I never heard back. 

Are you sure NCTUE is a real company? I am concerned that this random company has my SSN, DOB, and full name and info, which I gave her to help find my information in her system to find out why I was sent that notice. Because of this, I am deeply concerned by her lack of follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have contacted XXXX  several times explaining to you that I am a victim of identity theft but you have not done anything to get this Fraud information removed from my credit report. Again I am submitting my request along with an identity theft report including the dates someone else used my information trying to open accounts in my name. I did not do this & I do not know who did this! I have never got anything from these places at all. Please delete these fraud inquires from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - Capital One Auto Finance XX/XX/2020 XXXX  - Capital One XX/XX/2020 XXXX  - Capital One Auto Finance XX/XX/2020 In addition, there is a duplicate inquiry from Capital One Auto Finance on XX/XX/2020 listed on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/2020 EQUIFAX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit 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 2021-07-18 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: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX 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 2021-07-18 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: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to XXXX  and uploaded documents to show that I paid every month of the disputes items.

XXXX  came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the XXXX website. 

The name of my mortgage company is Mortgage Solutions Financial, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18 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: CO

Complaint narrative:
My mortgage company falsely added 120 days of being late on paying my mortgage on my credit which was incorrect. 

So I disputed the erroneous report to Experian and uploaded documents to show that I paid every month of the disputes items.

Experian came back with just one item corrected, so I sent receipts of the three they didn't correct. 

These receipts were uploaded to the Experian website. 

The name of my mortgage company is XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, CT 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 2021-07-18 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: Carter-Young, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I was Denied a {$400000.00} VA Mortgage Application with Veterans United Home Loans Application # XXXX and Loan # XXXX on XX/XX/2021 within 2 days of application. Reasons for denial provided " via voicemail '' were that XXXX & XXXX XXXX Income were not sufficient income alone for approving the loan regardless of VA Certificate of Eligibility, 810 ( 3 ) Bureau Beacon Score and {$120000.00} of cash down payment. I guess I should have known better to apply for a VA Home Loan without a Job but I have an email inbox FULL of Negative Job Hiring Decisions from Government & Private Employment Applications. So, I tried anyway. They also said " when your situation changes, please give us a call ''. Now, I have a " lower Beacon Score '' because of the big " inquiry '' on my credit report. Why couldn't they " pre-qualify '' me without an inquiry? I thought that was one of my rights with a VA Loan. How many other VA Lenders should I try? I will have to get a job 1st I guess which is easier said than done.

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 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please see attached. XXXX claimed that they resolved my disputes but have not. I've been disputing with them for years. They have XXXX XXXX, XXXX  XXXX XXXX  etc. And 6 inquiries for which I have no contracts for and no authorizations for. These aren't mine. Result of their data breaches? They are willfully refusing to remove all items listed. XXXX XXXX must've been taken out by someone else and XXXX XXXX as well. I have no aligning contracts. My attorney wanted me to submit prior to us sending off formal legal complaints as I'm to receive monetary gain per each item they refused to remove. Per Comprehensive Credit Act of 2020 section 401 there is nothing that should be reporting as these aren't even mine. Please advise them as I'm tired of the situation ruining my reputation and defamation my character.

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 2021-07-18 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello - I've been disputing items on my credit file since XXXX or perhaps even a little before then. I've been disputing for well over 3 years. At this point, I'm just about ready to litigate as TransUnion has been caught with not properly deleting negative items for which can not be verified. Per Comprehensive Credit Act of 2020, if there are no contracts tied to any of the items to one 's credit report, there should be no items listed. Perhaps they're receiving monetary gain or kickbacks for reporting items illegally. Section 401 of the Credit Act specifically states that no one should be in violation if certain requirements aren't met. There are no contracts tied to ant of these items because I never signed any. If they're stating the opposite, they have not turned any of these items over to me.

There are collection items, one was recently closed but it should be deleted. I don't even know where this bill came from. Is this a misfile with another agency? I have no idea. 

There's a Bankruptcy showing up illegally. XXXX  has spoken with my attorney and they were able to see to it that that was removed as we were ready to pursue litigation. 

TransUnion had the nerve to mail me a letter saying they refused to further dispute. I will not have it any longer. The attached items are things that remain on my credit file for which no contract exists. 

At this point, my attorney wanted me to gather sufficient evidence from our disputing over the years to prove that they are and have been in error. Prior to opening a lawsuit on them I was advised to submit one last dispute via your agency to prove lastly that we've been doing all we could to resolve matters. 

Please see attached items that remain in error. I should be receiving at least {$1000.00} per negative item that remains unlawfully. This should give me about {$7000.00} in total which is more expensive than them removing the items but it's their choice. It seems as though they made their choice. Once I submit my final dispute to your agency, I'll turn over to my attorney as I'm tired of how they're been treating me.

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 2021-07-18 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : XXXX  - XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( 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 explanation