vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My identity have been stolen and used to make fraudulent activity on my account

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 2022-01-18 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: MI

Complaint narrative:
Experian is reporting a child support account on my credit report which does not belong to me. Please see my attached FTC ID theft 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 non-monetary relief
Consumer complaint received 2022-01-18 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: LEXISNEXIS
State: AR

Complaint narrative:
This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
They were contacted on XX/XX/2021 about an account appearing on my credit bureau. A collection account for an apartment in a state I have never resided in, or co signed for anyone in that state. I informed them I had been a victim of ID theft and that my personal information had been used. I informed them that a FTC report was submitted. A police report was submitted. There are fraud alerts on all XXXX major credit bureaus, in addition to XXXX XXXX, XXXX XXXX, XXXX, and XXXX. My iformation is as locked down as I can get it. They sent me a fraud packet I completed this and sent it back. That was XXXX weeks ago. Today I called and was greeted by " we have been trying to resolved your bad debt you owe for 2 years now ''. I explained it wasn't mine again etc. To which I was told " as far as we are concerned we purchased good debt that you will pay back ''. I said I don't owe this. You have everything you asked for to resolve this so can I find out when this might have a resolution? NO. NO?! I said you are ruining my credit. I have never had a collection in my life, I am not late with my creditors and I cant purchase home until it is resolved. Not our problem, pay this and we go away... WOW. Not how a legit business should be operating. I am attaching everything that proves I have done what was asked. Now they need to process this and remove this from my XXXX XXXX file immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: VA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: CORELOGIC INC
State: AR

Complaint narrative:
This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to 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 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This is a matter of identity theft. Someone that is not me applied for and received an installment loan to make a purchase at a jewelry store. This was not the first instance of identity theft I had been dealing with, so prior to this fraudulent application being submitted, I had placed a fraud alert on my credit file with each of the XXXX credit bureaus. The fraud alert clearly states that there is suspected fraudulent activity and any potential lenders must call me directly by telephone for further identity verification. I received no such phone call from Acima. 

I contacted Acima and they were utterly dismissive. This company failed to perform simple due diligence even when provided with a clear warning. I allege that this lender is not concerned with these types of situations, and may even welcome them based on the ridiculously easy application and approval process - that and the process in which funds and merchandise are exchanged only bolster my suspicions. The funds are not transferred to the applicant ; the lender contacts a chosen retailer directly to complete the monetary transaction - the applicant may not even be present for this. The lender purchases the merchandise and the applicant picks it up at their leisure. It seems the retailer in this instance failed to perform even the most cursory of identity verifications as well. The opportunity for collusion between retailer and lender is glaring in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are XXXX me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made my payment on time, and was flagged by cap 1 for being 30 days late, in which it hasnt been a complete 30 days since the last payment was paid to cap 1, I have exceptional credit history wit payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DriveTime
State: FL

Complaint narrative:
My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are victimizing me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Debt was already was paid with payments to commenity bank/ Victoria secrets. I can No longer log into the old account. Original account was opened XX/XX/XXXX XXXX and 2 months ago. The account was closed and paid. Now the account has been sold and placed on my credit again under commenity bank showing a false date of XX/XX/XXXX which is incorrect. This account was disputed and removed once before with the cpfb for the same reasons and with XXXX, XXXX and XXXX in XXXX and was removed from my credit. Now Im showing the same credit company twice on my credit report. This should be illegal to sell your info after a creditor is paid and had to remove due to this falsified information before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I used my points to book a trip. I canceled the trip and was told I would be able to get a credit for the same amount to use with the same airline. 

I called to book a trip using this credit on XX/XX/XXXX and pulled up the trips I wanted to book online. The pricing was in the {$300.00} price range online and the price the agent was telling me over the phone was over {$700.00} dollars for the same flight date and times. Out of frustration and feeling misled I wanted to speak with a manager. None were available and they said they put us on a list to be called back in 72 hours. I never receive that call. ( I have a screenshot of the online prices. ) On XX/XX/XXXX I called back and to my surprise, I was able to book a trip where the costs quoted over the phone matched their online pricing. The trip that I was booking was only for a portion of the amount of the credit and the customer support repXXXX told me I was going to be able to use the remaining amount of my credit for another flight. I asked to book that other flight there on the phone but I was informed that I needed to wait 24 hours for the new ticket to process and the remaining credit to register. 


On XX/XX/XXXX I called to use the remaining part of my credit. I was told that the remaining credit was forfeited and that was the company policy. I asked to speak with a manager but none were available. They informed me that they were going to put me on a list to receive a call back in 72 hours again and I informed them that I was going to file a complaint with the CFPB. 

Per my last two conversations with the American Express representatives, I was provided conflicting information, 1st I was told I could book a flight and use the remaining credit for another flight, and on the second call, I was told since I booked a new flight for a lesser amount than the original credit the remaining portion was forfeited. Overall, per the result of the last call, I have lost over {$300.00} which I could have reasonably avoided if I was informed correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am trying to login into my account and its telling me its not active! I am trying to get my reimbursement from the settlement with Navient!! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
Please see attached documents as it contains my full complaint and requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit management ( XXXXXXXX XXXX  ) began collecting a credit debt by calling numerous times, sending process servers, and mailing demand letters. I contacted XXXX XXXX XXXX  and the case was dismissed on XX/XX/2020. However, they've continued sending letters, and have refused to remove the debt from my credit bureau when their lawyers did not show to court. This company has overstated and inflated this debt to ravage my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 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: NJ

Complaint narrative:
On Friday, XX/XX/XXXX, I submitted documentation to Experian in regards to a dispute I filed with them for an inaccurate public record they are reporting on my credit. Their response to me was they were not able to honor my request based on limited amount of information. This document is an updated copy of a report from XXXX XXXX showing that I have no public record on my report. XXXX XXXX is Experian 's furnisher of information such as public records. 

After disputing this item prior ( XX/XX/XXXX ) their " investigation '' reports state they verified the information as accurate from their data furnisher, XXXX XXXX. How did they verify this information with XXXX XXXX if the information isn't even on my report? I even called multiple times and not one of their customer service representatives could answer any of the questions I had. I even asked to speak with a manager/supervisor and was hung up on! 

This false reporting is killing my credit report and destroying my chances of buying a house for my family.

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 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I opened my Alaska XXXX XXXX XXXX card with Bank of America in XXXX of 2021. I went into my account and set up autopay shortly after receiving the card in the mail, prior to my first payment. 

I was charged a late fee on XX/XX/XXXX after my first payment did not come out as expected, despite having already set up autopay. There were no issues with my checking account. Bank of America did not pull the payment. I went in and made a manual payment immediately after the late fee was posted. I received no emails or app push notifications that a payment was missed from BOA despite having them set up. 

Although customer service reversed the late fee, rightfully so, they have refused to do anything about the {$19.00} in interest charges, despite numerous requests for them to reverse it. 

I had automatic payments set up. They didn't pull my payment. It is not right or fair that I have been charged interest.

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 2022-01-18 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: NY

Complaint narrative:
To whom it may concern, I asked you to disclose your method of verification on the alleged bankruptcy you are reporting. You then replied to me claiming that the bankruptcy was verified by XXXX XXXX AND THE Bankruptcy Court Appalled by that information, I went directly to XXXX XXXX AND THE Bankruptcy Court and in response to my inquiry they claim to have never verified this item with you. This would mean this bankruptcy is by law considered UNVERIFIED. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. 

I have enclosed their letters for your inspection. Please DELETE this item from my credit report as it is NOT verified! ( US BANKRUPTCY- XXXX ) The OCR and XXXX XXXX VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION! 

Please send me an updated copy of my report once the bankruptcy is DELETED. 

Best regard, 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 non-monetary relief
Consumer complaint received 2022-01-18 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: TX

Complaint narrative:
Two months ago I contacted Equifax about the following fraudulent account XXXXXXXX XXXX  XXXX ( Date Opened : XX/XX/2014, Balance : {$2100.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: NY

Complaint narrative:
Around XX/XX/XXXX I notice my credit dropped. XXXX XXXX XXXX XXXX a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an Equifax dispute. The only they did was update the account numbers. The payment of XXXX dollars was not mine. This account has been closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation