vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

They are also in violation of the FDCRA, Truth and Lending and FCRA.

Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also 15 U.S. Code 1681b - Permissible purposes of consumer reports ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or 15 U.S. Code 1666 - Correction of billing error ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

Please kindly remove the items and update payments and paid on time with 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 2021-07-09 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX refuses to delete an inaccurate account from my credit report. They have fraudulently verified the account as accurate with LexisNexis. I immediately called LexisNexis and shared this information, and LexisNexis said that was not possible for them to verify this bankruptcy with them because there are no bankruptcies reporting on my file. The date of this incident was XX/XX/2021, first dispute in question. I called XXXX and immediately opened another dispute into this bankruptcy. Ultimately, XXXX emailed me again yesterday XXXX XX/XX/2021 ) saying that this account has been verified by LexisNexis. I am pretty sure that LexisNexis isn't the culprit here, since all the other credit reporting agencies have properly updated my reports. I just wanted it to be on record that XXXX is still fraudulently saying that they have verified this account with LexisNexis. I will seek legal counsel in this matter since the CFPB has no enforcement arm to make sure that XXXX abides by the FCRA and the laws. It has been nearly 60 days since I disputed this bankruptcy in XXXX and XXXX has been viciously fighting to keep this inaccurate account on my credit report. More importantly, XXXX  is not conducting a proper investigation into the matter. If they did, this matter would have been resolved with my XXXX dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased an airline ticket with my debit card but canceled my account about 6 months later. Because of the pandemic, my daughter was not able to travel and XXXX XXXX refunded my money to my closed account. XXXX XXXX confirmed the money was never returned to them to send me a check. This happened in XXXX and I'm still waiting for my money. The amount is {$1100.00} and Wells Fargo sent me a letter to confirm the money was refunded to my account. However, I can't access it and they keep giving me the run around.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from 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 2021-07-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has misreported this account in blatant error and violates the provisions of the FCRA and must be removed from my credit report for inaccurate reporting. 

This account is reporting Date open : XX/XX/2018, additionally this same account is reporting a 60 Day Late Payment XX/XX/2018 this information is inaccurate and inconsistent based on if the account was opened in XXXX, it is not possible to be late 60 days in XXXX. Please remove this account immediately!!! 

XXXX XXXXXXXX XXXX has supplied information to Experian that it knowingly inaccurate. Experian has failed to conduct a reasonable investigation of my dispute and I am asking for the following ; DELETE INACCURATE ACCOUNT, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30 DAYS ( OR 45 DAYS IN SOME CASES ) OF RECEIVING NOTICE OF MY DISPUTE My rights have been violated under the FCRA, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. 

Experian is required by law to do everything in its power to accurately gather and report accurate consumer information.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergence Acquisitions, LLC
State: IA

Complaint narrative:
well my Identity was Stolen back in 2009, this company over the years has garnished my checks and now they have a levy on my bank account they were sold to different companies over the years and they took the amount owed multiple times for a debt that I don't even owe because I don't have an account with this company the company that started this was asset acception or something like that then convergence receivables and now they go by XXXX XXXX XXXX they took over the years at least {$4500.00} from me and are still collecting a debt that I never owed them in the first place because my Identity was Stolen and I have letters and documentation stating this I even have a Letter from the IRS stating my Identity was Stolen and they will not leave me alone and this debt has been paid even though it wasn't mine they garnished wages and have my bank account locked and just want them stopped this has gone on for way too long and I feel they need to repay what they stole from me on this matter and unlock my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I can not sign up for auto pay, and this is something targets younger people to not have working. When I called for support, the agent gave me a due balance amount that was different than what was showing on my online portal, which could have caused me to have more fees if it was not enough. Additionally, when I asked for help figuring out why auto pay was not working, the agent muted the phone and ignored any follow up. I was also never called back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: ME

Complaint narrative:
The SquareUp company has taken money from my card as an adjustment without ever providing the benefit of an accurate accounting explanation, verbal or banking statement that legitimately supports the deductions.This wreaks of absolute Theft and Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: CA

Complaint narrative:
Hello, Ive paid off a car that was a total loss and I was forced by td- auto finance to pay the remaining balance off in 30 days and I paid it within the 30 days. I waiting a couple months to see if they will take it off showing I paid in full but they reported as a charge off which isnt because I paid it off before the 30 days were up. Ive already made an report to each credit bureau about this and only one of the credit bureau was resolved but the others havent. Its been more than 30 days and I need it resolve so I can buy a house. They will next finance me for money until thats cleared. I also called TD auto back and they told me it was their mistake and they will take it for me and its been over 30 days still with no updates. I also have a letter from TD auto stating the car is paid off in full so it shouldnt be a charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I received a phone call from a gentleman saying he was calling from Apple Credit Card and said that I missed a payment and that he was calling to collect a payment from me, I told him I didnt have an Apple card and if I did I would call Apple directly and he ignored me and suggested me making a payment since he had me on the phone, I repeated what I had previously said and hung up my cellphone. He did have my full name, I called Apple Support and notified them of this and they confirmed that they DO NOTCALL for payments, they sent me this link to do a report and said they were going to write this information for their records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.

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 2021-07-09 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:
This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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:
This is a dispute with XXXX regarding a fraudulent application for an overdraft protection loan opened in my name by my ex-husband as a co-signer but one where I was listed as not authorized to use. 

My ex husband stole my identity and opened up a joint overdraft line of credit on a checking account back in XXXX. He then put me as Non-authorized user so I never knew about this account or received any info about it since the address on file was never my address. Even until today, I am unable to find out any information about this account because I am not an authorized user. 

He stopped paying the balance back in XXXX, after we divorced, and this account is now a negative on my credit report. When I call XXXX, they can not give me any information because Im not an authorized user. 

I have taken steps to clear this issue by requesting my original signature authorization or any documents that I supposedly signed to open the account. My plan was to take these documents and have them analyzed by a certified forensics handwriting expert ( I had to do this with other issues with my ex husband. He is a criminal ). They said they do not have the documents. How am I able to prove the application was fraudulent if they didnt keep the documents to analyze? 

As a result, they denied my claim of fraud for lack of documentation but will not tell me what documents are required. Im hoping making a complaint with the government under oath will show my complaint is legitimate.

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 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
This company is trying to collect a debt that is not owed and it is negatively affecting my credit score.

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 2021-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
On XX/XX/XXXX I was supposed to have my student loans I had already excepted him and they were ready to come in and XXXX XXXX went into my account like he always does he always ask my passwords trying to steal morning and went and told the loans that I didnt need them anymore which luckily I called them but he has no business going through my passwords or even being on my Wi-Fi. Being that we dont live together and shouldnt be anywhere in the same town but he does not know how to respect boundaries because he has a common thief

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I was charged from a apartment complex because I broke the lease. The maintenance man was XXXX/ coming in the apartment on my wife. My wife paid Fabco off in late XXXX early 2016 they never gave us a receipt for anything. Now it is on my credit saying we owe {$290.00} but when my wife called they said we owe {$190.00} and said we never paid this debt off. They were horrible to work with to pay it off in the first place. The amounts showing on my credit are not correct and not the same as they say we even owed total. They are saying my wife called in in 2016 and said we were not paying them anymore, which is not true. What we are being told over the phone is incorrect and nothing matches up. Also was told I could not talk to anyone else because every single person was on vacation. Debt on credit says {$790.00}, over the phone they said it was around {$600.00} and we paid {$500.00}. Credit states we owe {$290.00} but Fabco says we owe $ XXXX.This debt has been paid and needs to be removed for my credit.

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 2021-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I purchased 2 XXXX XXXX on XX/XX/XXXX through the XXXX website. I was offered financing through Affirm. When I returned the XX/XX/XXXX because the robots did not clean my whole house and when my wife and I would come home from work the robot would be sitting in the middle of the floor dead not being able to make it back to the docking station. I called XXXX on XX/XX/XXXX to confirm receipt of the merchandise. I called Affirm on XX/XX/2021 to ask about my refund in the amount {$320.00}, XXXX at Affirm stated that they have not received my refund from XXXX and can not issue me a refund and that I have to continue making payments are they will report late payments to the credit bureau. I have attached proof that the items was sent BACK to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: TX

Complaint narrative:
A fraudulent account was opened in my name at XXXX. I informed Experian of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and Experian keeps reporting it and affecting my scores.

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 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief