vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you LIST OF ACCOUNTS : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing your letter which I attached from your company, Experian, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Experian now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  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 explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: ID

Complaint narrative:
My new direct express card came in the mail today, and the chip account number isnt matching up to whats on the card itself. I need my XXXX money to go on my direct express card witth the number XXXX XXXX XXXX XXXX on it, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Premium Credit Bureau
State: NY

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report and its been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: GA

Complaint narrative:
Back in XX/XX/2021, XXXX XXXX XXXX  kept calling me about an issue and I was like why are you all constant calling me I don't have any products or credit cards with you. Come to find out my old roommate had got an account in my name.. I ask XXXX XXXX XXXX what I could do about just paying it because I was ready for this mess to be off my credit file. I was going through XXXX at the time. They instructed me pay the agreed amount and they would mark the account as fraud account and have account updated and removed from all three credit bureaus, and would possibly refund money back to me for the pmt. They never refunded me or removed account, they updated but never removed account. They scammed me out of the money by agreeing to remove this account.

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 2021-08-03 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: GA

Complaint narrative:
Back in XX/XX/2021, XXXX XXXX XXXX  kept calling me about an issue and I was like why are you all constant calling me I don't have any products or credit cards with you. Come to find out my old roommate had got an account in my name.. I ask XXXX XXXX XXXX what I could do about just paying it because I was ready for this mess to be off my credit file. I was going through XXXX at the time. They instructed me pay the agreed amount and they would mark the account as fraud account and have account updated and removed from all three credit bureaus, and would possibly refund money back to me for the pmt. They never refunded me or removed account, they updated but never removed account. They scammed me out of the money by agreeing to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: National Business Factors
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 2021-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
Nationwide Recovery System has sent a bill to collection as of XX/XX/2021 that has an outstanding balance of {$600.00} that's affecting my credit score and report. This bill has been taken care by my health insurance. I tried getting in contact to resolve this issue by phone and the debt collector does not have any contact information. Under Section 623 of the FCRA the debt collector should have all they're information for me to dispute of come to some agreement. I would like for this debt collection to be remove permanent from my report and send me an updated report to me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CMRE Financial Services, 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 explanation
Consumer complaint received 2021-08-03 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: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I have filed a complaint with the better business bureau as well as email and voicemail with the creditor. I am attempting to have an erroneous charge on my credit report removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

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 2021-08-03 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:
This is A brand new complaint in addition to complaint XXXX with XXXX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, XXXX  to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By XXXX PERIOD!!!

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 2021-08-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is A brand new complaint in addition to complaint XXXX with XXXX. The information that is reported on my credit report is Fraudulent!!! I have been requesting A complete copy of the document that the Company XXXX XXXX said I signed and has placed on my Credit Reports for over A year and was bullied into paying the account because I want to be A Home Owner. I Have Consistently Disputed this with all three Credit Bureaus because I knew it was Fraud. I had enough of the inconsistently reporting of the account which includes the amounts, the dates and times of payments, The date on the Loan Document isnt even the same as the one XXXX XXXX put on the Cover Letter they sent and not to mention I had not tried to get any credit from any company because I was working toward purchasing my very own home for my family at the time. 
I filed my complaint with the Consumer Financial Protection Bureau only after emailing XXXX XXXX to send me A complete copy of the Loan document that I signed and requested the Credit Bureau, XXXX to provide me with it as well. I did that on XX/XX/2021. In the email to XXXX XXXX I also gave them until XXXX XXXX to email and USPS mark the information to me. Today I will be providing you with A Copy of my Illinois Drivers License ( Its not updated because of Covid-19 but it is valid ) and A copy of my Social Security Cards ( I have two in my possession ) one from my early twenties and one in which I obtain five years ago because I thought I lost the other one all in which contains my Legal Signature. Most importantly I am sending A copy of the Documents that XXXX XXXX mailed to me that are post marked on the envelop XXXX XXXX only a day after I filed my complaint with your office. The Loan Document that XXXX XXXX mailed to me is Fraud!!! On this document I can honestly tell you THIS IS NOT MY SIGNATURE!!! And I can honestly tell you my mother XXXX XXXX use to whip my behind because I was NEVER ABLE TO WRITE A CURSIVE XXXX to spell my name to save my life. Not to mention the rest of the signature is a Complete Joke. Starting from the top, that is the neatest handwriting with the Wrong Address. I live in XXXX XXXX Illinois not XXXX!!! This account has been Verified??? By whom??? At the Three Major Credit Bureaus??? I am Absolutely Mortified right now. These Credit Bureaus hold my very life in their hands and wont check for Accuracy??? How many people have they allowed this to happen too??? This is complete proof that my credit file has been Breached By XXXX PERIOD!!!

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 2021-08-03 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: CT

Complaint narrative:
Raymour & Flanigan-TD Bank is trying to cover up the fact one of their employees were attempting to steal my identity and use my card. I had this card for almost two years until only an employee couldve pulled an unauthorized credit check on me when to my surprise the letter of credit inquiry made me check to see where my credit card was at that time. It was then I realized my card was stolen. I am fortune I stop the criminals and canceled my Raymour Flanigan Furniture Credit Card promptly. Now these vicious creditors are trying to report my card wasnt stolen. My card was reported stolen from XXXX of XXXX toXX/XX/2021 Raymour Flanigan erred in their dates I reported my card stolen : Raymour Flanigan List the year ( XXXX ) ; the reported theft was in XXXX XXXX XX/XX/XXXX ; Finally, Who- authorized a credit inquiry on a card that was-not in my possession, unknown prior to incident that my credit card was stolen. 
Most Important, I called & emailed and completed the following steps to protect my identity and credit :. Raymour Flan, 2. all the creditor bureaus, identity theft.gov, and the Fair Trade Commission and CFPB : I want my card properly reported as stolen and reported with all agencies, and the card closed by me the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CA

Complaint narrative:
XXXX XXXX is Reporting inaccurate information in my credit report. 
For the Auto Loan they are reporting to XXXXXXXX I was 30days late 12 times/60days late 6 times and 90 days late once. They are reporting to XXXX I was 30 days late 19 times/60 days late 11 times and 90 days late 2 times/ To Equifax they are reporting 30 days late 12 times/ 60 days 6 times and 90 days 1 time/ they are also reporting inaccurate dates of Last Payment. to XXXX last date of payment is XX/XX/XXXX but to XXXX the date of last payment is XX/XX/XXXX and to Equifax date of last payment is XX/XX/XXXX. If these dates are all different and nothing matches this is a big discrepancy. They don't know if I was late or not because they don't have an accurate date of last payment. It also states it has never been disputed when it has several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I have been unable to use my card since XX/XX/2021 I was notified by credit card company that my card would be inactive until minimum payment was paid was paid I paid the minimum payment plus an extra Few payments which bought my account down by less 50 % of my credit limit and I still haven't been able to use my card I am incurring late payments due to he rejection of my ACH payments that come directly out of that account and and despite my numerous attempts to contact and Rectify the situation with the credit card company My card still remains an active as of today which is roughly almost a month this is unacceptable and I'll be home in a few weeks account for a few years no consideration consideration or communication is being

Company response to consumer: Closed with explanation