vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of identity theft. I sent Experian, XXXX, and XXXX my FTC report on XXXX/XXXX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2022-02-16 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 this company a certified letter for proof of verification and I didn't get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hello, There is an account listed on my credit report for a debt that does not belong to me. I have reached out to Transunion 3 times by mail asking for any and all information pertaining to this debt and my requests have been ignored each time. This has been a span of over 3 months trying to get information on this account. I have now reached out to the Collection company ( XXXX XXXX ) as well and have not received any sort of response after 2 letters by mail. I am 100 % sure this account does not belong to me. I have never done business with this moving company XXXX XXXX and a XXXX. 

I have done some research and according to the FDCPA 15 U.S. Code 1692g - Validation of debts- my requests for validation should be fulfilled. 

So in all, I have been ignored by not only Transunion but XXXX XXXX as well. 

I am demanding that this account be deleted after 90 days of waiting for this account to be validated. I would like all information sent to me regarding the opening of this account. I did not order any service from this company so with this information I should be able to see how this was allowed to happen and hopefully by whom. I assure you I never contracted any sort of service by this XXXX XXXX  and A XXXX If I did, there should be some sort of documentation. Per my research this is a moving company so documentation should have been received by the person ordering the service. I want to see this document.

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 2022-02-16 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: Penn Credit Corporation
State: PA

Complaint narrative:
Hello. XX/XX/2022 contacted PENN CREDIT CORP about account showing incorrect information. Unwilling to help resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.

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 2022-02-16 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have XXXX student loans with Navient, all of them which have been in deferment for 10-15 years and the interest has made my loan too expensive to pay. I have kept up with forbearances and they put on my credit report that I didn't do a forbearance until a month later than need and it put XXXX bad credit ratings on my credit report. I was under the covid forbearance and it was done by phone. They are messing up my credit for XXXX or more years because of their error. Why would I forbearance and keep up with this all but 2021 which they say I didn't that was during covid and cares act. I need these student loan marks off my credit report. Navient is ruining peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CA

Complaint narrative:
Key Bank is refusing to return my funds, as held in a personal checking account. 

I opened the account on XX/XX/2022, and the account has been frozen shortly thereafter, per previous CFPB and XXXX complaints. Please find the previous CFPB complaint attached. 

Key Bank responded to my complaint on XX/XX/2022 by summarizing the situation, but there has been no resolution to the matter. My balance of {$1500.00} has not been returned to me, nor a timeline for this disbursement. 

I would also advise that Key Bank revise and update their antiquated business practices with regards to identity verification. Key Bank states this indefinite hold of my funds is because they can only verify my identity by physically visiting an out of state branch. Given the advances in technology with public knowledge databases like XXXX, a customer 's physical presence should not be necessary. 

Alternatively, if Key Bank does not wish to invest in modern technology, Key Bank can request further information from me to identify myself, but has not done so. I proactively called a branch and customer service offering to provide identity documents like my XXXX passport, drivers license, and/or utility bill, but was denied. Coupled with the risks of the COVID pandemic, this is a perfect opportunity for Key Bank to update their outdated business practices with regards to requiring laborious in-branch visits. 

I would appreciate immediate disbursement of my full balance of {$1500.00} via a trackable shipping method, like XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
It should be against the law to have a creditor reduce your credit line. Please realize that this causes a domino effect to our credit! A higher utilization leads to lower credit scores, which other lenders could perceive as an increase in risk and lower the limit of other cards that a consumer has. Im going to reach out to an attorney to see if this can be a cause for a class action lawsuit. This should be prohibited!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-16 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: WA

Complaint narrative:
I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX Transunion and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED

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 2022-02-16 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: SC

Complaint narrative:
I have filed disputes with Experian for XXXX accounts ( XXXX XXXX XXXX ) regarding validation and the account being annotated as past due, and requesting validation with copies of original ( wet signatures ). Payment history in XXXX XXXX these accounts is marked as " XXXX '' monthly, but continues to be reported as " past due '' in the status of XXXX accounts. Additionally, the request for validation with photocopies of original contracts is not being acknowledged.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
on XX/XX/XXXX, I made XXXX deposits of {$10000.00} each to the company XXXX of XXXX for the purchase of a XXXX tahoe XXXX, I was supposed to receive the vehicle after made the 2 deposits, but the person did not do so because he said he had only received 1 deposit, he just sent me the shipping receipt. The bank confirmed me that the 2 payments were made correctly, the person told me that he would give me a refund on Monday, XX/XX/XXXX, but I did not receive anything, and they stopped answering messages and calls, i was scammed. 
I made the fraud claim to the bank, but unfortunately the couldn't do anything. 
After an investigation made it by myself, i discovered that the company is fake.

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 2022-02-16 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 reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
I have reviewed my credit report and there are some fraudulent account appearing on my credit report. Please see attached documents.

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 2022-02-16 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: NY

Complaint narrative:
I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account and I would like to have these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
AES and XXXX are the same entity. When you go to the XXXX website you learn that it operates part of its national business as AES, meaning that it is in part one legal entity. However XXXX  practice of managing its loan accounts confuses one to believe that another entity is owed the alleged debt. The FCRA and FDCPA protects consumers against these kind of reporting practices. 
AES/XXXX  transferred this alleged debt to XXXX in XX/XX/XXXX. Then on the same date XXXX closed the account and sold the alleged debt to a third party, XXXX XXXX XXXX XXXX did this without attempting to contact the account owner first to notify their acquisition and/collect on the alleged debt. XXXX XXXX XXXX did not report the debt to the credit bureaus, but did send notification of their acquisition and did attempt to collect the debt. From XX/XX/XXXX until XX/XX/XXXX, XXXX XXXX XXXX was the owner of these alleged debts. In XX/XX/XXXX XXXX reacquired the alleged debt from the third party after I disputed XXXX  right to report an alleged debt they did not own, with all credit bureaus. XXXX found validity in my dispute and removed XXXX  listings from my XXXX credit report for FCRA and FDCPA violations. 
XXXX did not reassume responsibly for the alleged debt from XXXX XXXX XXXX until XXXX XXXX ; however, they reported these alleged debts to all credit bureaus as owed to them for XXXX ( XXXX ) months after selling the debt to a third party in XX/XX/XXXX after first acquiring the alleged debt from AESXXXX. XXXX also attempted to collect this alleged debt in direct violation with the U.S. Education Departments COVID-19 Emergency Relief guidelines currently active until the end of XXXX. During the same timeframe XXXX XXXX XXXX was also attempting to collect this same alleged debt which could have resulted in double enrichment for XXXX, which is a violation of FCRA and FDCPA consumer protections. 
The original debt amount listed by XXXX differs from the original debt amount reported by the original creditor AESXXXX. I have attempted to validate the allege debts owed to creditor XXXX and AES to no avail. When I go to the XXXX website to login to this account, I am redirected by XXXX to AES in order to review and manage this allege debt owned by creditor XXXX. Once logged on to this account I see that I have a XXXX ( XXXX ) dollar balance, nothing is owed on this account, and the creditor has deleted all payment & billing statements from their system for the the alleged debt with both creditors XXXX and AES under the account. Both creditors are intentionally preventing me from being able to validate the information they are reporting to the credit bureaus which is a violation of FCRA and FDCPA consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In the following months USAA has denied and even shut off several of my cards. This has happened several times today. Having tried to resolve these issue USAA attempts to shut off my card again today with unreasonable reasons why. I want them fined for each occurrence and each card as they are unwilling to rectify this issue and not allowing me to make purchases. This is not the first time this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
Experian 's implementation of the " security freeze '' feature ( mandated by law ) is broken, dysfunctional and impossible to use, be it online or over the phone. It's hidden and not included in a regular user 's account menu/features ( because they have a commercial alternative forced on you ). I had no problems using " freeze '' feature on XXXX or XXXX websites. I spend several hours today ( XX/XX/22 ) on Experian 's website trying, re-trying, looking for alternative means or options to freeze my credit report to no avail. 

Nothing works online ( main page with 4 primary choices - www.experian.com/freeze/center.html ) : 1. No way to check current status of the " freeze '' on my credit report!

2. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting a " freeze ''. ( Under " Add a security freeze '' opton ) 3. No way to get a confirmation page and/or an email after submitting the form with all the details when requesting an " unfreeze ''. ( Under " Remove or lift security freeze option '' ) 4. Upon submission both pages gave various errors ( snapshot attached ) or empty pages ( with a logo, common header and footer ).

5. Tried calling XXXXXXXX, as error message suggested and was unable to speak with any agents. Very limited automated system only had 1 or 2 options to choose from and after trying all the options it offered I was unable to check the status of the freeze, whether it's active or not and no option to " unfreeze '', which should be executed within 1 hour of user 's request per regulations.

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 2022-02-16 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: NY

Complaint narrative:
Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the XXXX credit bureaus ( XXXX, XXXX, Equifax ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.

Company response to consumer: Closed with explanation