vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 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: 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I contacted the credit bureaus to inform them of the debt was paid to original creditor and collection agency should not be reporting the debt is due. Two of the three credit bureaus removed the negative account from my consumer report. I do not have an open balance with my XXXX XXXX XXXX and IC System Collections should not be on my consumer report as the debt is not due and has been paid as agreed. The negative collection is still on my XXXX Consumer Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/2021 through XX/XX/2021, three separate, unauthorized transactions were made through my Bank of America bank account. An unknown checking account was linked to my bank account and transferred three separate amounts : XX/XX/2021 : Transfer of {$1700.00} XX/XX/2021 : Transfer of {$1200.00} XX/XX/2021 : Transfer of {$1800.00} A total of {$4800.00} was withdrawn from my account without my consent or authorization to an unknown entity. I have no information on the account number, or who it belongs to, as the moment fraud was detected, I was advised to immediately delete the linked account and change email/password. 

This is a widespread problem for Bank of America, and hundreds of thousands are having the same problem of foreign entities withdrawing money without their authorization. Hindsight, at this point, is irrelevant. The issue is the way Bank of America refuses to give victims their money back. I filed a dispute earlier this month, and received a letter telling me that there were 'no errors ' found and that my claim was closed. Once again, hundreds of thousands are being told the same thing, and are having their money held hostage. People 's livelihoods are at stake and Bank of America refuses to do thorough investigations into this matter, and give victims what belongs to them. 

I was also told that, if no resolution were found in ten days, I would receive a credit to my account, but this did not happen ( this is besides the point, however ).

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 2021-12-30 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: 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}

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 non-monetary relief
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Dates : unknown Amounts : unknown Actions Taken : There have been numerous attempts to contact the company to inform them that this was a result of identity theft and the account ( s ) does not belong to me. My identity was stolen and an Identity Theft report was filed the appropriate authorities. The other companies included in the ID theft have all removed the fraudulent accounts, with the exception of this company. I have tried time and time again to discuss with them to find out what needs to be done to get this resolved. However, even after repeated attempts they have not ceased attempts to collect the debt or offered information as to how we can resolve the issue by showing further proof of the ID theft. The same letter ( which will be attached ) from the company has been received multiple times that states not details of the account or information that could be refuted. It is simply a generic letter without account info or even a valid extension for the proper individual to be reached who is handling the fraud claim. Ultimately, every call has essentially ended with the same inability to resolve the issue or even offer the appropriate steps to take in order to get resolution. The first rep said they could help, and that " normally '' they could resolve it without a problem, but that their system was down for the day and asked me to call back in a couple days later. After a few days, the next rep said they would try to resubmit the fraud claim ( even though the first rep advised NOT to do this because they said it would not actually resolve the issue ) - after they resubmitted the claim another identical letter was mailed out without a valid extension or any further info. After this letter was received another phone call was made to the company and this rep apologized that they had not correctly addressed the issue and had simply " resubmitted '' a claim that did not need to be done - however, they said they could not help either and asked me to call back later to ask for another department. After calling back and getting into contact with the " other department '' they too were unable to help and stated the the individual overseeing this fraudulent account was unable to be reached and did not have a valid extension - the rep could offer no explanation or guidance on what to do to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting. 

I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus. 

The following is the account information and a timeline for the correspondence to the bureaus and creditors. 

XXXX XXXX XXXX : $ XXXX XXXX Credit Bureau XXXX XXXX XXXX {$4700.00} All XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX {$6000.00} Experian XXXX XXXX {$4500.00} Experian XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud. 
XX/XX/XXXX XXXX to all bureaus requesting proof of debt. 
XX/XX/XXXX XXXX to all of the above companies demanding proof of debt. 
XX/XX/XXXX Letters to all bureaus. 
XX/XX/XXXX letters to all bureaus requesting reason for not deleting files. 
XX/XX/XXXX Letters to all above companies requesting validation of debt. 
XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question. 
XX/XX/XXXX Letters to all companies demanding validation of debt. 
XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt. 

I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been. 

Please advise me via US Mail. I look forward to their Reponses. 
Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: VA

Complaint narrative:
Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( Equifax ) and XX/XX/2021 ( XXXX ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 
My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: DISCOVER BANK
State: MI

Complaint narrative:
my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. 15 usc 1666 they can not report alleged late payments to my consumer report.

These alleged late payments have not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX, I refinance my vehicle, my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX ( XXXX Ex XXXX ) called Credit Acceptance ( XXXX XXXX XXXX, XXXX, MI ( XXXX ) and ask what was my pay off and they indicated {$13000.00}, my bank send them a check in full amount. I got sick with XXXX in XXXX, and until I got well I was able to pick up my mail, that when I discovered that Credit Acceptance was saying I still owed them money. I called they indicated I has not cancel my warranty ( {$2000.00} ) on time and that I would owe them money. I cancel the warranty on XX/XX/XXXX when I spoke to them. They then indicated they would need to call me and tell me how much more I owed them. I called them they indicated {$550.00}, this amount was owed becuase I didnt cancel the warranty. I tired to payed them its been rough with money so I didnt call them. My bank called them today, XX/XX/XXXX they indicated I owed them {$3300.00}. I called them they asked for a settlement. They are now saying my account never closed, its still active and that I owe them {$8900.00}. I dont understand why I owe them this amount if they told my bank i owed them {$13000.00} in XX/XX/XXXX and they paid of my account with them. There information was misleading not only to me but to my bank. Im now stuck with still owing them and im paying my truck to my bank.

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 2021-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting. 

I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus. 

The following is the account information and a timeline for the correspondence to the bureaus and creditors.

Credit Reporting company : $ Amount reporting Credit Bureau reporting XXXX XXXX {$4700.00} All 3 bureaus Cache LLC {$18000.00} XXXX XXXX XXXX  {$6000.00} XXXX XXXX XXXX {$4500.00} XXXX XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud. 
XX/XX/XXXX Letter to all bureaus requesting proof of debt. 
XX/XX/XXXX Letter to all of the above companies demanding proof of debt. 
XX/XX/XXXX Letters to all bureaus. 
XX/XX/XXXX letters to all bureaus requesting reason for not deleting files. 
XX/XX/XXXX Letters to all above companies requesting validation of debt. 
XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question. 
XX/XX/XXXX Letters to all companies demanding validation of debt. 
XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt. 

I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been. 

Please advise me via US Mail. I look forward to their Reponses. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. this is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has not provided my extended warranty refund, even though it is already canceled. 
On XX/XX/2021. I signed the cancelation form to cancel extended warranty On XX/XX/XXXX, I opened a case with Chase ( my lien holder ) and they directed me to the dealership At the end of XXXX, I called the Finance department at the XXXX XXXX XXXX XXXX, and the person I spoke with told me that the hold up was on XXXX, which is the company that provided the extended warranty On XX/XX/XXXX, I called XXXX  and the agent told me that the warranty had been canceled since XX/XX/2021, and that they had refunded the money to the dealership On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, requested to talk to someone in Finance and I waited 30 minutes on hold. No response. 
On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
ON MONDAY XX/XX/2021 I RECEIVED A NOTIFICATION ON MY BANKING APP, SAYING MY PASSWORD HAS BEEN CHANGED, SO I CLICKED ON IT BECAUSE I'VE NEVER CHANGED MY PASSWORD THAT DAY, BUT IT DIDN'T LET ME LOG IN, BECAUSE THE PASSWORD WAS WRONG, SO I CALLED THE BANK RIGHT AWAY TO FILE A COMPLAINT, BUT FIRST I CHECKED MY BALANCE THROUGH THE PHONE AND IT WAS XXXX DOLLARS, WHICH WAS NOT RIGHT, I WAS MISSING XXXX DOLLARS, SO THEY FILE A FRAUD REPORT AND EVERYTHING, THEY SAID THEY WERE GOING TO INVESTIGATE THE FRAUD, THEN NEVER HEARD BACK FROM THEM, I CALLED ON THE XXXX OF THE SAME MONTH, JUST TO FIND OUT THEY ALREADY CLOSED MY CASE AND NOT GOING TO GIVE ME MY MONEY BACK, ACCORDING TO THEM BECAUSE I SHARED MY PERSONAL INFORMATION AND THE SCAM IS MY FAULT, WHICH IS NOT TRUE, SO I TOLD THEM I WOULD LIKE TO RE OPEN THE CASE BECAUSE I DONT THINK IS FAIR THEY JUST TAKE MY MONEY LIKE THAT, BUT THEY SAID ITS CLOSED AND I CAN'T DO ANYTHING ELSE. MY BANK IS WELLS FARGO.

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