vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 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: MA

Complaint narrative:
I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports

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 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXXXXXX XXXX opened an account on a card that I paid off without my consent with a collection agency Portfolio Recovery and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. This account is not mine and belongs to another person this account information is wrong I have a letter from the creditor that states I do not have a balance due but instead I have a XXXX balance and did not have service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XX/XX/2022 I paid a balance to Portfolio Recovery Services to settle the account. 
The agency offered me a 20 % savings to pay the account and agreed to delete it from all three credit bureaus. 
I paid the {$360.00} and the company is now reporting the remainder as a debt and will not delete the account as stated in the agreement. I have attached proof of their offer. I am asking fpr the company to honor their offer as I was under the impression paying the reduced rate would clear the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
I purchased a vehicle in XXXX which was financed through Prestige Financial Services. My vehicle was charged off a few years back. I currently still have said vehicle in my possession and I have an agreement with Prestige where I am making WEEKLY payments to the company. Recently, I pulled my credit report and Prestige has my balance incorrect and shows $ XXXX  monthly payments. The last payment showing on my credit report to them was from XX/XX/XXXX which is incorrect. Prestige takes automatic payments from my account WEEKLY, and has been doing so for the last two years or so. I disputed these inconsistencies through the credit bureau as " incorrect balance '' and as not showing " pays as agreed ''. After being contacted by the bureau 's, Prestige has yet to report anything correctly which is holding my credit score down. They have only moved my balance by {$140.00}, when it should be way more than that. My weekly payments amount to $ XXXXmonthly. Not only do I have bank statements to show these deductions, I also have text messages from a XXXX XXXX will leave his last name out for protection ) detailing payment dates, amounts, and agreement that I had to approve. ***Documentation will be provided if needed***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
I recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TN

Complaint narrative:
I recently sent a letter to the credit reporting agencies regarding inaccurate things on my credit report. I asked for the debt to be validated to show this is my debt. I did not deny this debt Im just not aware of it. The creditor updated the credit reported stating the debt is valid but failed to send me any information on how it was validated. I know I have the right to know that. Im not paying a debt thats mine until Im shown proof its mine. I think this needs to be investigated or they need to remove it from my report because it has caused me to be denied for the purchase of a home. I think that this is just wrong, and I will not let the creditors ruin my reputation with lenders because of the inaccurate and misleading information they are spreading by selling my information to lenders. I feel like Im being taken advantage of and being ignored of my disputes. The law plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand these accounts to be deleted immediately or I will file for litigation due to the stress they have caused me. I have sent the letters to the actually creditor and they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage is serviced by LOANCARE, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

Payments has never been late. The payments are made automatically by my bank each month. In XXXX XXXX the regular payment was made in the amount of {$950.00} PRIOR to the due date of XXXX XXXX. The payment was made Electronically and debited my account. I received a pst due email notice from LoanCare on XX/XX/XXXX. I contacted LoanCare. They indicated was never received. My bank informed me it was sent and received. Called back LoanCare. LoanCare asked for specific information, and copy of the transaction information. ALL was sent on or about XX/XX/XXXX. Then, I followed up next day but they said is not sufficient. I immediately made an extra payment to allow me time to follow up. I sent more information later with a letter from bank. Few days later, LoanCare said the letter was not sufficient! I followed with my bank, which sent ANOTHER letter directly to LoanCare on XX/XX/XXXX, based on LoanCare direct request. I sent a copy of this letter to LoanCare as well on XX/XX/XXXX! LoanCare has the necessary information to track my payment- all!! however, LoanCare is yet to apply my payment. The company is earning interest on my money, small might be..it is MY MONEY! imagine doing the same to XXXX... then you have good amount setting somewhere earning interest for someone!!

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase account was closed due to fraudulent activities and it even got escalated to the executive level. Below are transactions that werent authorized by me .XXXX  XXXX. This isnt the first an incident like this happened with the same institution. I wasnt able to open a chase checking account because someone already had without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank opened an account on a card that I paid off without my consent with a collection agency XXXX XXXX and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MA

Complaint narrative:
I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MA

Complaint narrative:
I am a victim of Identity theft. My social security has been used to open credit cards with XXXX and XXXX XXXX. XXXX has validated that credit cards were opened up with my personal information without my consent. I reported the identity theft to the police and reports were made. I disputed all accounts with all three credit bureaus who continue to report the accounts are negative or charged off. 

I am requesting the XXXX accounts be removed for all three credit agencies that are reflecting as negative which are indeed not my accounts. The XXXX XXXX account that is also reported as a charge off be removed because that is not my account, that was opened with my personal information that was stolen. 

Enclosed are copies of the letters I received from XXXX and XXXX XXXX validating my personal information was used to open the accounts without my consent. I am enclosing police reports validating that I am a victim of Identity theft. 
Please remove all accounts listed on my credit reports pertaining to XXXX and XXXX XXXX. 
Sincerely, XXXX XXXX XXXX : XXXX letters confirming my personal information was used without my consent and my social security number was used to open these accounts. Police reports

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 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act, Account # XXXX & XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act, Account # XXXX & XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: WA

Complaint narrative:
Over the past month, Equifax has locked me out of my account 5+ times. This has been a huge discrepancy in me being able to access my report and view my score. Every time this occurs, there appears a screen that prompts me to have to CALL into Equifax, which takes another 30 minutes out of my day. This has been a huge inconvenience to my day, my ability to operate in commerce and the reasonable means of accessing my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME '' COMENITY CAPITAL # XXXX OPENED : XX/XX/19 XXXX. XXXX XXXX # XXXX OPENED:XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Called my credit card in stolen during after a home invasion/burglary and grand theft auto that happened to me on the XXXX of XXXX its on record but the card was used on the XXXX, and XXXX for approximately {$230.00} the fraud department favored it wasnt fraud Ive offered them the police report the number to the detectives that were in charge of the case they still ignored me and the fact that the card was reported stolen on the XXXX of XXXX approximately 2.5 hours after the home invasion they keep ignoring that fact. There reason is the purchases were done on the same day as the home invasion happened. Ok I can agree with that but that doesnt mean that I did those charges nor did I authorize someone to. The fact that it took me 2.5 hours after the robbery to call the card in stolen which was due to the shock I experienced, answering police questions and locating my vehicle that was stolen thru gps should be taken into consideration that it took me the 2.5 hours to call it in stolen and Irregardless it was fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
Erroneous Debts Reported : Paragon Revenue Group {$280.00} Reported XX/XX/2022 Paragon Revenue Group {$960.00} Reported XX/XX/2022 Paragon Revenue Group {$670.00} Reported XX/XX/2022 Paragon Revenue Group {$600.00} Reported XX/XX/2022 Paragon Revenue Group {$640.00} Reported XX/XX/2022 Paragon Revenue Group {$920.00} Reported XX/XX/2022 XXXX

Company response to consumer: Closed with explanation