vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
Original Creditor XXXX XXXX apparently forwarded an amount of {$270.00} to Receivables Performance Management as an outstanding amount due. I noticed the amount on my credit report in XXXX and paid it immediately by calling XXXX XXXX. XXXX XXXX has contacted Receivables Performance Management and told them that this account needs pulled back from my credit report because they agree they do not have the right mailing address and I never received notice. Receivables Performance Management has not deleted this even though they've received emails from XXXX XXXX and from myself with XXXX XXXX 's email. Attempts have been made from XX/XX/21 up to and including this morning XX/XX/21.

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 2021-06-07 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: Porania, LLC
State: NY

Complaint narrative:
I have this accounts that i want to remove from the 3 credit reporting agencies as they does not belong to me. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received checks from TD Bank that I did not order from an account I do not have

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: GA

Complaint narrative:
I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, Transunion and XXXX trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.

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 2021-06-07 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: GA

Complaint narrative:
I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, XXXX  and Experian trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.

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 2021-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My credit has been negatively affected by false claims about a debt and balance reported by JPMCB Card Services. XX/XX/2020 XXXX  reported a charge off - XX/XX/2020 - XXXX  reported payment after charge off - XX/XX/2020 XXXX  reported legally paid. These claims are false, I paid a debt not owed to save my credit and my credit is being unfairly impacted. Dates, amounts, balances, acct holder all inaccurate. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
We have automatic payment due for the XXXX of the month. They took XXXX payment on XX/XX/XXXX and we were in the negative because of it. We called to change the due for XX/XX/XXXX and every month after that. We noticed they took another payment on XX/XX/XXXX and that made it double payments put us in the minus again. We attempted several times to correct it, but they put us on hold for 30 minutes and then kicked us off the line. One of them who did that is XXXX and XXXX. All that because our loan was sold and they dont care anymore, to the point that I can not change anything on line. I have to call for everything. And out of one of these calls, I found out my loan has been sold. So far, I did not receive anything about it and who will receive the next payment. AmeriHome or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am currently XXXX, & was looking for a room to rent. XXXX texted me & told me that she was in an internship in New York, so her grandfather would be handling the key situation for her, & that they had a room for rent, going for {$500.00}. I sent that, & we proceeded with the lease agreement, which I have as evidence. XXXX also told me that I had to give her {$300.00} for the security deposit, which was refundable upon me viewing the house & getting the key. I sent that. I wanted to add someone else to the lease, so she told me I had to send {$300.00} more to make up for the upgraded rent. I told her that I didnt feel safe giving up more money until I received the key, & I told her give me her grandfathers number. The grandfather, who goes by XXXX XXXX XXXX assured me that after sending the {$300.00}, he would be on his way to the property to give me the key. I sent the {$300.00} & upon waiting at the property, XXXX sent me an array of text messages, informing me that I was scammed & that its just the hustle. Now I am XXXX  & short of {$1100.00}. 

Sorry bro .... This is a scam Fake account Fake XXXX Apologies ... .. It's a hustle Throwing away all numbers and email Closing the zelle account Good luck Those are the last text messages sent to me by XXXX. I have more evidence, such as the lease, all the text messages, XXXX transactions, and the claim number I have with Bank of America. Please help me in any way possible.

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 2021-06-07 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/2020, someone opened a Citibank/Home Depot account ( Citicards CBNA ). I did not open this account. Citibank claims I owe {$20000.00} on this account. I have no idea where it was opened or what was charged on the account. I have no account number. I filed a complaint with Identitytheft.gov,, and disputes with XXXX, XXXX  and XXXX. Citibank continues to claim this is my account. I have never been contacted by Citibank. I have tried to contact them, but that's impossible without an account number ; you get caught in an automated loop.

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 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX XXXX XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report XXXX XXXX  XX/XX/2021 This is an unauthorized fraud inquiry and must be removed from my credit report I contacted the creditors who placed the inquiries ( XXXX XXXX, XXXX  XXXX XXXX , & XXXX XXXX ), and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.

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 2021-06-07 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: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently receive a letter from a third party collection agency that was given my information by Suntrust Bank. Suntrust closed the account XXXX XXXX. The balance owed is XXXX. I am completely unaware of any charges or transactions in the amount of XXXX. I called Suntrust Bank on XX/XX/XXXX and XX/XX/XXXX to rectify the problem. After speaking with several representatives and departments I was told that they could not see my transactions in their system, however they requested that I pay the balanced owed. As of today, I have not been able to resolve this matter with the bank because of the lack of information they have to provide. I would like answers pertaining to my account and the last few transactions that lead to an inaccurate balance.

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
so I have a Paypal credit account with account no. XXXX XXXX XXXX XXXX that is in fact my account because I recently paid off this account balance with I refinanced my home the balance was paid in full on XX/XX/XXXX 2021 with a a check from XXXX, with check number XXXX, The problem is that I received a statement from Paypal credit on XXXX XXXX,2021 with a new account number of XXXX XXXX XXXX XXXX with a statement balance of {$900.00} with my name and address the complaint is with this account I have never opened another account after paying off all the debt with my refinance, so I do believe I'm a victim of fraud in this account, I've contacted the Paypal credit services about this account and they keep hanging up on me so i really don't know what to do about this account and I already filed a dispute with XXXX  about this account and it has made a negative and delinquent on my credit

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 2021-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI

Complaint narrative:
Knowing my rights as a consumer Capital One has continued to harass and try and force me into paying a debt, along with involving third parties to invade my privacy and consumer rights while trying to damage my annual credit report with false accusations and I will not stand for it at all. 15 usc 1691a ( e ) and ( f )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 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: LEXISNEXIS
State: LA

Complaint narrative:
LexisNexis is making a fortune selling their services to many company 's as a verification process. so much so that many banks and company 's rely 100 % on this as their only way to verify a customer. I have not been able to pass a verification ever. I have requested reports many times and when I did get them None of the information that is causing me to fail the verifications are on there. I have put out so much effort to fix this issue. It is causing me so much problems and is affecting me financially. For example Today I can not electronically my tax document to be processed before the deadline. My CPA uses a company called XXXX and they only use LexisNexis. So now I will have to get my tax returned Mailed to me so I a manually sign. Then mail them back and that process will take longer than I have. because the Deadline is the XXXX. I also cant ever verify with XXXX. there I have a checking account and savings account and multiple credit cards. I also have home and auto policy 's with them as well. This is getting stupid how horrible this is and I cant get anyone to help me at all. I need real help. A person that understands English has authority to fix my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I was recently included in a class action lawsuit with Santander Consumer. On Friday XXXX a representative from this company called and attempted to collect money from me on vehicle that was a total loss. I advised the rep that per the attorney general I wiuld be receiving a check on XXXX for the monies Santander over charged me for I told the rep now how can I owe you XXXX for a car that is now owned by XXXX XXXX but you all included me in a lawsuit of accounts that you over charged plus I dont have the car anymore. Santander ripped me of and I actually payed three and a half times what the car was sold to me for.also I am receiving a refund check from you?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: MD

Complaint narrative:
A company by the name of Security Cred ( XXXX XXXX ) received a debt for me in the amount of {$660.00}. I contacted the original ( XXXX XXXX ), they told me that someone had applied for an account twice with all my information. The original company mark the account as fraud and told me to notify the debt collector. The company also said an account was never established. But when I made contact with the Debt collector, they stated an account was was open and used. I know no knowledge of this account and nor did it show up on my credit report as an open account until XX/XX/2021 under a debt collection. my credit score was heavily impacted by a loss of 43 points. I am also in the middle of refinancing my home which is affecting my loan approval. The company has made me jump through a lot of hoops and nothing is resolved. I filed a police report and Identity Thief Victim 's Complaint and Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

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 2021-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
I was thinking about creating a XXXX XXXX, a little flower shop. Due to the coronavirus, it was never physically or online open. Although I had developed my website, I decided to put everything on wait until after the coronavirus. After a few months, I decided to deactivate my website. I don't even own a credit card reader. In addition, I did not sign any contract with these individuals. These XXXX XXXX employees managed to obtain some of my business information as well as my personal information in some way. Because I had never signed up for any such company, I never received any correspondence from them. Naturally, I assumed that the issue had been resolved because I had contacted several times to resolve the issue and had emailed the company. I received a notice stating that I owe {$630.00} to the company. I decided to report them since one transaction fee letter seemed quite suspicious. One transaction charge letter I received stated that a customer will be refunded {>= XXXX} and that I would be responsible for the remaining {$630.00}. How is that possible when I have never authorized a merchant account and have never signed a contract? someone claiming to be from the XXXX XXXX Something isn't right!!

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 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
As a consumer and knowing my rights based on 15 usc 1691a ( e ) and ( f ) they have violated and continue to violate my rights and personal lifestyle with demanding calls and numerous demanding and threatening letters through the us postal service.Its has gotten to ah point were I am afraid to even answer my own phone at times.

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