vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.

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 2021-07-15 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: FL

Complaint narrative:
Good morning, I was stunned to see that Flagstar Bank/Elan Financial Service has reported me late for XXXX, XXXX, XXXX & XX/XX/2020 last year even though I had requested due to covid a loss of income to work out an agreement with them. I have never paid late if they reviewed my account they will see I have always been on time with the exception of when I was seeking help in XX/XX/2020. I had spoke with an agent whom enrolled onto the Hardship Program however I was told to make the payment in XXXX which I did as the XXXX Statement was already closed. I had received a call late last week of XXXX and was told I was due I immediately called back and requested a supervisor whom saw my prior conversation however the agent had erred in not providing the correct information so I thought everything was fixed. Every single month since then I have made my payments with no hiccups until I found out when applying for a house loan that they have been reporting me late for XXXX, XXXX, XXXX & XX/XX/2020. If you look at my attached XX/XX/2020 Statement which covered opened date : XXXX thru XXXX you will noticed that it clearly states Past Due : {$0.00} as well as for XX/XX/2020 Statement which covered opened date : XXXX thru XXXX that also reflects Past Due {$0.00}. 

I had called and spoke with several agents and none of them wanted to provide me with the Hardship letter from XXXX I tried to explained thoroughly that if I had defaulted then why were my latter statements reflecting the update but the two prior statements have not been fixed they were very argumentive and basically told me you defaulted the very first month I had advised to them the conversations are recorded pull up my XXXX phone call where the supervisor prior had acknowledged they had screwed up but this supervisor from the hardship program or Elan was very rude and nasty and would not provide to me my legal right of that letter.

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 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I opened a mortgage in XXXX with XXXX XXXX. At the time of the mortgage they opened a checking account without disclosing. We attempted to comply to the use of the checking account that we were unaware of as there was a baked in incentive of XXXX off the closing cost of the mortgage by maintaining the account. We had deposited XXXX into the account and never used it as there was no availability to ATM 's locally and we had an established checking account with chase that was meeting our needs. We continued business as usual, and were caught off guard when we received a notice in the mail that our account that we had never used had a negative XXXX balance! I immediately contacted the branch and they agreed to waive the fees as long as I paid back the XXXX dollars we received at closing. I obliged and paid the XXXX back because I no longer wanted to do business with the company. The branch informed us that our balance of checking went into negative because 5 transactions needed to take place monthly. We NEVER were informed of this. We had XXXX dollars in the account as per the mortgage officers instructions and simply thought it was funded and fine. They charged us service fees and overdrafts due to the lack of transactions. I paid the XXXX back and they credited the account. The account now shows on my Transunion credit report as a seriously delinquent account. The other two agencies ( experian and equifax ) removed the account properly but transunion has not. This has cause a deviation of over XXXX points between my score at trans and experian. This is unfair and not correct.

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 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: FL

Complaint narrative:
My information was use to open credit card and store card accounts without my permission. My drivers license and social security number was used to open these fraud accounts. I have know known knowledge of these accounts ever.

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 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I opened a Capital One credit card on XX/XX/XXXX and have had exceptional payment history, except for three ( 3 ) late payments in a row - XXXX, XXXX, and XX/XX/XXXX. This was due to bank processing errors. I submitted a letter to Capital One from the bank confirming this and they have not removed these late payments from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PRO COLLECT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1400.00}

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 2021-07-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I requested and was approved for a Cares Act COVID Forbearance in XX/XX/XXXX. My loan is owned by XXXX XXXX. I called my mortgage company ( XXXX XXXX, serviced by Loancare , LLC ) to set up payment options and resume payments on XX/XX/XXXX. I requested a deferment of amount owed and was told I did not qualify for a deferment and would be required to do a loan modification. I had researched my options and knew I qualified for a deferment and stated I did not want a loan modification. I requested to speak to a supervisor to find out the reason for the deferment denial. I was told a supervisor was unavailable and I could request a call back. I requested a supervisor call me back and I never received a return call. I have subsequently called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have never been able to speak with a supervisor. Each time I have requested a call back from a supervisor and to date I have never received a call back. I have also been given a different story every time I have called and have been given factually inaccurate information, and was told I was not able to speak to a supervisor to get clarification. I was forced to extend my forbearance when I didn't need or want to because Loancare said my request for a deferment needed to go through a 30-day review. That was on XX/XX/XXXX. On XX/XX/XXXX, I reached out to a HUD counselor due to the issues I was having and on XX/XX/XXXX, we called Loancare together to get answers and were also unable to speak with a supervisor. My counselor repeatedly requested to speak to a supervisor and we were told one was unavailable, that the loan modification department was closed and given factually inaccurate information again. It is now XX/XX/XXXX, and I have not had a successful resolution and my extended forbearance now ends on XX/XX/XXXX, and I still have no idea what my options are as I can not get clarification or speak to a supervisor. I have requested my counselor escalate the issue to XXXX XXXX as well. In the meantime, I have resumed making payments.

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 2021-07-15 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
these accounts don't belong to me. please remove accounts : XXXX. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2019 This is not mine.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation