vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I have had some occurrences of identity theft that has occurred on my credit report. On XX/XX/2021 I wrote a letter advising the credit bureau that there is inaccurate information reporting on my credit report as a result of theft of my information. It has been well over 30 days and this inaccurate information continues to report. 

Attached to this complaint is a copy of the original letter submitted and my identity theft affidavit for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I never had any contracts with USAA nor XXXX XXXX and clarity service, XXXX  and XXXX  continuously reports these account which are had by identity theft and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my 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 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my 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 2021-09-03 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: FL

Complaint narrative:
I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
On Wednesday, XX/XX/2021, at XXXX EST, I received another phone call from Willams & Fudge at XXXX. I had been receiving calls from this number over two weeks at least three times a day or more. I answered twice when the calls initially began, but the caller hung up, therefore I stopped answering thinking it was just another telemarketing company. When I answered this day, the representative spoke so quickly that I did not have a chance to collect his name, nor did he mention his representative ID/badge information. The rep mentioned the that the call was on a recorded line and that this was an attempt to collect a debt on behalf of a local college. The rep proceeded to ask how I would be taking care of the balance without asking if I were able to, nor offering any type of payment plans. He failed to initially ask if I agreed to the debt and my right to dispute or request debt verification. I mentioned that I would be unable to pay for anything at the moment as I am presently unemployed. The rep became intrusive and asked, " well, who is taking care of your expenses then? ". I respectfully stated that that information was none of his concern nor did it have anything to do with the reason for his call and to please take my number off the call list. The rep proceeded to say these words, " well, the calls are not going to stop '', and at that moment I told him that I knew my rights as a consumer in the state of Georgia. The rep replied that he would make note of my request. 

The mere fact that he boldly stated that " the calls would not stop '' immediately suggested harassment. Also, the fact that he asked " who was taking care of my expenses '' had now become an unconstitutional act towards my rights to privacy. He, and other representatives of Williams & Fudge, should receive more training on proper phone etiquette as well as keep in mind that consumers still do have rights and ethically speaking, we are still experiencing pandemic overlay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have done business with people involving my music and people sent money to me thru ach transfers and now they put a 888 hold on my account expecting fraud and I need to bring people in to confirm when I shouldnt have to do that the amounts of the transactions are less than XXXX. I dont understand why they wouldnt of contacted me the first time it happened in XXXX but I need my funds to be accessed to 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 2021-09-03 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: DE

Complaint narrative:
I am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with XXXX  on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on Equifax? How can the terms be " 12 months '' on XXXX  and due weekly on Equifax? How is my high credit limit {$500.00} on XXXX  with no credit limit reporting on Equifax? How is the date last reported on XXXX  XX/XX/XXXX but on Equifax its XX/XX/XXXX? How is the date last active on XXXX  XX/XX/XXXX when its reporting as XX/XX/XXXX on Equifax? The account is reporting as charged off on XXXX  from XXXX XXXX XXXX but was reported as a charge off on Equifax starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from XXXX  who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both XXXX  and Equifax. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021 i was informed to contact this company while trying to purchase a new car. The agent who took my call stated i had an outstanding credit balance of {$10000.00} after accessing my account. I then asked the agent whos id number is # XXXX to verify the creditor to who the debt was owed on file she could not tell me who the original creditor was. I then asked for a superior of hers to address the issue. XXXX id # XXXX then took a look at the file and told me that she could not tell me who was the original creditor either. They both stated that the alleged debt was assigned to them eliminating the possibility of them being creditors as defined under Title 15 1692a ( 4 ). I have now requested a verification of the alleged debt. In addition the account balance itself is a violation of Title 15 U.S.C. 1666d treatment of credit balances and should be handled according to the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with One Main Financial on XX/XX/XXXX. A consumer credit transaction which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but One Main Financial took cash. One Main Financial willfully and knowingly failed to Provide/Disclose information required under the provision of 15 use 1601. One Main Financial sent me a letter on XX/XX/XXXX stating the balance due on this alleged debt is {$3700.00} but one main financial is reporting on my consumer report as the account balance being {$3000.00} for the month of XX/XX/XXXX as you can see in the attached exhibits witch is a violation pursuant to 15 usc 1681 ( a ) inaccurate reporting on my consumer report. One Main Financial also Disclosed my nonpublic information with a nonaffiliated third party ( XXXX XXXX XXXX ) witch is a violation under 15 usc 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
Fraudulent credit card opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
Fraudulent credit card opened in my name

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 2021-09-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened a credit card account with Comenity Bank/Wayfair in XX/XX/XXXX. I am experiencing an issue getting a payment applied to my account balance, getting Comenity to acknowledge the payment, and Comenity 's failure to provide access to 24 months of statements as stated on their website. 

My payments are due on the XXXX of each month. On XX/XX/XXXX, a payment for XXXX 's bill was sent to Comenity bank in the amount of {$540.00}. They received it on XX/XX/XXXX. That payment, which was above the minimum payment amount, has not been credited to my balance as of XXXX XX/XX/XXXX. In order to avoid being late, I had to make an additional payment of {$67.00} on XX/XX/XXXX because Comenity Bank failed to credit my first payment. 

I have received conflicting statements from Comenity 's customer service representatives. Some believe it should have posted already while others state " it could take awhile ''. Meanwhile, Comenity bank is benefitting from charging me interest on the higher balance. 

Further, when viewing statements online, Comenity bank states that customers can view up to 24 months of statements online, however, they do not provide customers with the option to view statements prior to XXXX. Comenity bank has not provided access to XXXX statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I filed dispute to have updated original loan amount of XXXX $ on my car loan with monthly payments of XXXX XXXX I also disputed the fact that my account was not in deferred status but was paid on time since XX/XX/XXXX until XX/XX/XXXX and should be reported on my account. Each month amount of XXXX $ was scheduled to be paid and were paid and should be reported. The balance on the account is XXXX $ and should reflect accordingly, instead credit agency removed my original loan balance to hurt my credit. I have summited documents to support my dispute, whatever credit report agency told me that they listen what creditor is telling them and creditor is telling me that credit report agency is reporting inaccurately so its back and forth hurting me and my finances, including job

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 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to a atm and made a deposit of XXXX, the atm glitched and said I needed to call the bank. It did Not deposit any of the money nor give a receipt. I called the bank while still sitting at the ATM and was told not to worry they will open a case and refund the money. I received a temporary credit right away and that that was the end but no. I received an email a few weeks after stating that my claim was denied for XXXX and I could call and request the evidence that was used to determine their out come. I called right away and was again told not to worry and they XXXX would not be deducted from my account and they will escalate the issue. I received the evidence but it was just letters I had already received stating my claim was denied. Today not only was the XXXX removed from my account but also an overdraft fee of XXXX. This bank is clearly stealing my money!! All the have to do is count the money in atm the day I made the deposit. I was told not to worry the funds would not be removed from my account but they were. The rep lied to me and the bank stole my hard earned money. I keep calling the bank and they said there is nothing that can be 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 monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Acknowledge Debt Resolutions
State: WA

Complaint narrative:
I got a call from XXXX at ADR Billing, LLC XXXX XXXXXXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Said they were filing a judgment against me for a payday loan from XX/XX/2013 from XXXX XXXX XXXX, account number XXXX and balance due of {$1800.00}. I am not familiar with this claim and have asked them to send me something in writing as i believe this is fraud, and they said no and that I have to pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I have been continually contacted by a collection company about a supposed debt owed to a company they call XXXX ; a company I have never heard of, read about, talked to or done business with. 
I believe it is an attempt to extort funds by threats with no legitimate basis in fact. 
The following is all the information I've been given : Re : XXXX Creditor : XXXX XXXX - Chargebacks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation