vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/XXXX DEPT OF ED Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
I have paid credit repair agencies for years and have contacted XXXX  transunion and XXXX  myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.

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 2021-08-02 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:
I have paid credit repair agencies for years and have contacted XXXX XXXX and equifax myself and always an auto-generated letter is sent back without ever validating that this is not mine. I have sent police report and letters and so much different verifying documents and all that is returned is that it was not food enough information. Multiple accounts are not mine multiple inquiries are not mine, myself and my family have had to suffer in so many different ways because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: OK

Complaint narrative:
I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them.

Under the FCRA i should be able to dispute these items with them.

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires

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 2021-08-02 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: OK

Complaint narrative:
I have reached out to the 3 credit bureaus to no avail, they stated that i cant not dispute the items with them.

Under the FCRA i should be able to dispute these items with them.

I have reached out to the furnisher of the inquires and they can not or will not verify the inquires

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 2021-08-02 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:
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status NO STATUS. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Account charged off. {$950.00} written off. {$950.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$490.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/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 2021-08-02 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: NY

Complaint narrative:
I submitted a dispute with my FTC report on XXXX which base on USPS was received on XXXX at XXXX XXXX EST. when I spoke to a representative she stated it was uploaded on the XXXX of XXXX. I have received an email today XXXX to tell me that my investigation was completed when I looked at the report status updated as of XXXX. I have attached a copy of what was sent and a copy of my FTC report for my dispute. The account was not properly investigated because how can I send the FTC in XX/XX/XXXX but investigation is completed in XXXX or even XX/XX/XXXX that's because they did not investigate my case.I need them to take the FTC report in consideration and remove this off my report because it is not accurate. The report number is located at the top of the what was sent 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 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX my grandson went to XXXX XXXX XXXX XXXX XXXX. and called me with the representative seeking for me for him to get a car. I told him I would not. The rep. and my grandson, without my authorization or knowledge and outside of my presence ( given I was working that day ) electronically signed the paperwork in my name and, upon information and belief, on a " wet copy '' forged my signature without my consent. The account and contract were assigned to CREDIT ACCEPTANCE CORP.. When I received a statement from Credit Acceptance Corp., I reached out to XXXX XXXX XXXX XXXX XXXX, they refused to do anything. I requested all the information from Credit Acceptance Corp. and they sent me a statement regarding how to deal with identity theft. I then went to the XXXX Police and a police report, and I also filed a police report with the XXXX County Sheriff 's Department. Credit Acceptance refuse to help me. So far, I have not received any justice.

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 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit agency ; I have and old phone number set-up on the account when trying to login the system wants to send a authentication code but I don't have that phone number anymore I called on Saturday the XX/XX/XXXX to have the phone number updated I was told 24 hours wait time for system to update. Now here it is Monday XXXX of XXXX and the number has not been updated. 

I called Experian to speak with technical support, when telling the rep my situation she hung up the phone. I tried calling back but my number was put on a special block list where you can no longer get passed the automated system I CAN'T GET TO A REP I'M XXXX, Please fix CFPB, I just called the XXXX & XXXX fix my issues within 5 minutes, Experian is purposely blocking access via phone. 

Plus in the process of trying to get passed the proms I locked my report so there are a host of issues they are not addressing CFPB FIX IT

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 2021-08-02 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had my identity stolen and they applied for a lot of things Have a lot of collections that arent mine and hard inquiries that I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: TN

Complaint narrative:
XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on file.

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 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I sent letter on XX/XX/21 certified receipt # XXXX it appears it was received on XX/XX/21. Caine and wiener is not license to collect debt in the state of Florida. They have NOT responded to MY COMPLAINT so I went on XXXX  document and I ALSO NOTICE THERE WAS NO NOTICE OF DISPUTE PLEASE REMOVE THIS ACCOUNT INSCREEN RECORDED MY XXXX  REPORT showing no notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
When I checked my credit report I noticed A collection from Enhanced Recovery account # XXXX. I quickly went ahead and made the payment even tough I never got notice from them or was aware of this debt. But want to protect my credit so took care of it immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 2021-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
The original debt was owed to XXXX XXXX, XXXX. Hes located in XXXX, CA. He did a root canal for me in XXXX of XXXX. I made the first payment but missed the next because I was in a car accident. I received a notice from Rash Curtis and Assoc in XX/XX/XXXX that they were now assigned to collect the debt. I mailed a request to verify the debt shortly after and never got a response. On XX/XX/XXXX I logged in to my account on Rash 's website. The total amount owed was {$840.00}. I then paid that amount in full. My account showed a balance of XXXX  dollars and XXXX  cents. The total amount owed was paid in full. I have included the receipt that shows the {$840.00} was paid in full. Within weeks of paying the debit in full I received notification of a second amount, also {$800.00} that was owed. I only had one root canal, not two. An additional {$800.00} should never have been added on. The whole debt was paid in full on XX/XX/XXXX. At that time, the collection account should have been closed. I requested verification of the second amount from Rash via mail, to cover my bases, and got no response. They even put a collections account onto my credit report at the end of XXXX for this additional {$800.00}. It seems like they did that to try and extort more money out of me. This debt was paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : M XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax is DENYING the requested information. 

Equifax is playing games in this matter. ALL IS NEEDED IS FOR THEM TO GO INTO THEIR ARCHIVES, LOOK AT WHAT MY CREDIT SCORE WAS ON THE DATE OF XX/XX/2020!!!!!!!!!!!! Instead of compying with my request, they have sent me my current credit score, and repeated letters asking for my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent letters to all three major bureaus the date of the last letter to XXXX  was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means 3 Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX Data breaches. I decided to look at my credit reports 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

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