vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 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: FL

Complaint narrative:
Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my equifax and XXXX  credit report because i did not authorized or did business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
I, XXXX XXXX, with my credit card, entered into a consumer credit transaction with Alliant Credit Union onXX/XX/2018. This consumer credit transaction involved a finance charge which is the sum of all charges and does not include cash, pursuant to 15 USC 1605 ( a ). Alliant Credit Union has furnished a deceptive form creating the false believe that I got a loan when I only entered into a consumer credit transaction, which is a violations of 15 USC 1692 j. Alliant Credit Union Credit has collected monthly payments from me since XX/XX/2018 which is a violation of 15 USC 1605 ( a ). Alliant Credit Union has failed to include my insurance in my finance charge which is violation of 15 USC 1605 ( a ) ( 5 ) and failed to disclose to me MY RIGHT to rescind which is in violation of 15 USC 1635. Alliant Credit has violated multiple of my federally protected consumer right under Truth in Lending ( 15 USC 1601 ) and FDCPA ( 15 USC 1692 ) and is criminally liable, pursuant to 15 USC 1611 and civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. Ive made Alliant Credit Union aware of how they violated my consumer rights through certified mail and CFPB complaint, which can be seen in the attached documents to this complaint and my prior complaint as well as how I will like to resolve this matter. Pursuant to 15 USC 1692 ( b ), any consumer that disputes the validity of a debt or request the name and address of the original creditor, the debt collector shall cease collection of any debt until the debt collector obtain verification and provide such information to the consumer by mail. Alliant Credit Union has failed to provide me with the information I requested and continues to send me statements and collect money from me for this alleged debt, which is in violation of 15 USC 1692 ( b ). Also, I request that Alliant Credit Union provide me with an Audit Trial. Pursuant to GAAP ( Generally Accepted Accounting Principles ), Alliant Credit must prove that the funds left their account for this alleged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts and inquiries be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This company is reporting an account on my credit reports that absolutely does not belong to me. 

{$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: IL

Complaint narrative:
Someone opened Student loan account with XXXX XXXX on my Name. and took XXXX . The account was opened on XX/XX/2021. 
I noticed this fraud account on my credit report on XXXX XXXX and disputed the report with TransUnion. TransUnion simple reported information correct and did not remove the account. 
I have also contacted XXXX XXXX and tried to explain to get more details and close the account but did not received any good response. 
-- -- - Below is information I see on my credit report -- Account Number XXXX Creditor 's Name XXXX XXXX Type of Industry Personal Loan Companies Address XXXX XXXX XXXX, XXXX , UT XXXX Account Balance XXXX Payment Status Current Creditor 's Preferred Contact Method Other

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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my XXXX and transunion credit report because i did not authorized or did business with them.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I previously disputed this account with US Bank and received the attached response. They did not do a thorough investigation. As I have mentioned before I am a XXXX My Drivers license and passports all have the same name.. this makes no sense I didn't even know XXXX gave credit cards for food. 

My father XXXX XXXX resided at my address through out that time however he has been incarcerated for about 5 years and I don't speak with him. I presume this debt belongs to him. 



Previous Dispute US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. Today I pulled my report and now the amounts are all different. The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}.

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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2021-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
YOUR COMPLAINT I processed a mortgage through BOA. The process began on XX/XX/2021 with a settlement of XX/XX/2021. What started as a deal with only {$7000.00} to {$10000.00} down payment ended with a down payment of over {$44000.00} or no mortgage. I believe I was a victim of mortgage predatory lending. After all the information was submitted and a conditional approval for the home was received, it was understood to qualify, a debt would need to be paid off. I paid off the debt. I also received a gift letter for {$30000.00}. I had asked the agent many times if there were any concerns. If I needed a co-signer. I was told everything looked good. The bank responded XXXX week before settlement to say I was not getting the loan because I could not get mortgage insurance. Apparently the bank had not applied for mortgage insurance prior. I needed to then come up with a 20 % down payment. After pulling that together days before settlement I was then told that I did not qualify for the promotion we original agreed on because I was putting down 20 %. I was offered the option of putting down 19 % and trying for mortgage insurance again or lose the discount. As my back was against the wall with settlement in a few days I was cornered. This left multiple people scrambling to come up with more money. My agent never offered assistance or options. I asked for a phone number to speak with the Supervisor and was told I could only email. The Supervisor responded to 4 emails one time the day before settlement. A phone number for the Supervisor was listed on the website but was not in service. To add insult to injury final approval of the loan was not granted until XXXX the night before settlement.

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 2021-05-19 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: R.M. Galicia, Inc.
State: GA

Complaint narrative:
Progressive Management Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have consulted with the attorney general of California and know that this debt is past the statute of limitations. Progressive Management may no longer come after or sue me for the debt. Per the FDCPA if you can not validate this debt to me, you can not report. Reporting invalidated debt on credit can constitute fraud under both federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: PA

Complaint narrative:
I submitted three ( 3 ) requests to Equifax, asking them to investigate an account by providing me proof of ownership such as the original contract.

This request was made as part of my personal financial review and, because there are more than one XXXX Account on my credit file. The account number is ending in # XXXX. 

The first request was made on XX/XX/2021. There was also a request made on XX/XX/XXXX followed up by a third request. 

Equifax has not properly investigated this. They have ignored my rights to have information verified. ( FCRA 609, 611 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX, I dropped off a XXXX  ( XXXX XXXX rental car at the XXXX XXXX XXXX XXXX, XXXX Airport before catching a flight back to the United States. To my knowledge, the car was in excellent condition with no damages and the rental was paid in full. 

On XX/XX/XXXX, a charge from XXXX appeared on my card for {$200.00}. 

I contacted XXXX to dispute the charge that I did not recognize. On XXXX XXXX, XXXX sent me a form letter telling me that the dispute case was closed because the company was not provided with proof of paid by other means. 

At this point, I began my own investigation and determined that I was being charged for damages to the car. I filed a claim with Mastercard rental car insurance. I have copies of some of the many emails we have exchanged over the last several months. Long story short, XXXX ( operated by XXXX ) never provided photos of the damage or an appraisal or estimate of the damage and therefore my rental car insurance will not cover the alleged damage. 

I believe now as I did back in XX/XX/XXXX that there was no damage to the car, and the charge is FRAUDULENT. 

On XX/XX/XXXX, I spoke with a supervisor from XXXX who assured me that the charge would be refunded. Today - XX/XX/XXXX - I was told the case is closed and no refund will be issued to me. 

As a consumer, I am caught between a rock and a hard place. 
1 ) XXXX will not provide evidence of the rental car damage 2 ) Mastercard rental car insurance will not pay the damage because there is no evidence 2 ) XXXX will not refund the charge. 


Please help!!

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 2021-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back and going. I still have remaining balance in my account for my medication. I am not sure If this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report here as I feel that they are not doing there job properly and it is affecting me a great deal as I used my PayPal quite frequently. My email is linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This is a continuation of this complain, XXXX. Transworld Systems INC and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: TX

Complaint narrative:
Equifax is illegally reporting an account on my credit report. I have disputed this account numerous of times and they are stil reporting it. Equifax will not verify this account. I do not recall this account as I have stated previously and they still will not remove it. They are the only credit bureau reporting this alleged account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: GA

Complaint narrative:
I have inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've filed several disputes with the credit bureau and even after Ive placed a credit freeze on XXXX. I contacted XXXX  and they stated that they havent verifed any information since the credit freeze. I went back and requested to know where they verified and they told me thru the bankrupcy court. So I called them and they stated they dont verify or give out information to third party. The agent hung up on me several times and refuse to properly remove this off 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 2021-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not my account, its fraud account, I do not know it so please delete it forever

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 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
In XXXX I paid XXXX  XXXX for money due at the end of my lease and fees associated with cleaning up trash and boxes left in the apartment upon my departure. However, I took out the amount of {$350.00} which was incorrectly applied to my account for maintenance not addressed by the property manager. I provided documentation to XXXX XXXX and XXXX directly that this was captured on my move-in checklist and that follow up maintenance requests were submitted regarding the refrigerator needing repair and carpet damage ( which is what they were attempted to charge me for ). Despite multiple communications and mailed documentation, XXXX XXXX and XXXX neglected to correct the error and credit my account for the {$350.00}. I have contacted the property management at XXXX XXXX and many in leadership at XXXX. XXXX would not return any of my communications. 

Recently they reported me to a credit agency. In XX/XX/XXXX I immediately notified the collection agency, Columbia Debt Recovery, that I was in dispute of the 'debt ' and notified them that XXXX  was aware of my dispute as well. Columbia Debt Recovery continues to contact me after I notified them that I was in dispute of the 'debt '. 

In XXXX of XXXX I also finally received a single response from XXXX leadership to my many many communications since XXXX -- this was to inform me they could not address my concerns because my account was reported to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: HW Holding, Inc
State: GA

Complaint narrative:
Hunter Warfield is reporting a debt on my credit file that I do not owe. I recently took a look at my credit report and noticed this debt reporting on there. This debt is very old and past the statue of limitation in the state of California. This debt could also never be validated to me. I ask that you please remove this debt as per the FCRA and the FDCPA reporting invalidated debt could constitute fraud under both federal and state laws. I do not owe this debt and I ask they remove it from my credit file.

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