vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 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: NY

Complaint narrative:
Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. DISCOVER FIN SVCS violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, XXXX, Transunion ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.

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 2021-11-22 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: OH

Complaint narrative:
This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXXXXXX # XXXX

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 2021-11-22 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: OH

Complaint narrative:
This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX 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 2021-11-22 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: GA

Complaint narrative:
XXXX XXXXXXXX and equifax have not included an open account lowes XXXX XXXX XXXX credit card XXXX XXXX bank ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
In XXXX of 2021 I had a loan balance of {$1200.00} XXXX sent a payment and of {$1300.00} on XX/XX/XXXX they said I had {$700.00} in late fees I spoke to XXXX XXXX that I wanted to pay the principal and negotiate the late fees because of XXXX. She said send the payment and then we can negotiate. I sent in the {$1300.00} which they paid off the late fees first and left a balance on the principal. They paid more on the late fees. Which now again left me behind with the principal loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
In XXXX, I bought a used XXXX XXXX from XXXX XXXX XXXX. I took out a XXXX from XXXX XXXX XXXX on the date of purchase. I'm not sure if XXXX XXXX XXXX is still open or if it has been acquired by another company. 
I did get behind on payments with XXXX XXXX XXXX after paying off most of the loan ( remaining balance {$2100.00} out of approximately $ XXXX in loan and interest payments ). XXXX XXXX XXXX repossessed the car which was offered as collateral for the loan stating the balance of the vehicle 's sale would be applied to my remaining balance. 
It's now XXXX, I have been working with XXXX 's XXXX and XXXX on trying to close this balance. I come to find today that I no longer owe anyone money after simply asking for a breakdown of my account balance. 
I have incurred XXXX years of credit damage from the following parties : XXXX XXXX XXXX Unifin XXXX XXXX What are the steps I can take to repair what these lenders have done to my credit score? I feel 100 % vindicated after hearing I owe no money as of today. I'm even wondering if I'm owed money from these parties considering they can not produce any details pertaining to the money they were attempting to collect for years. 

Here are the company 's websites that I have cited in my complaint XXXX XXXX XXXX XXXX XXXX XXXX ( website unavailable )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
SYNCB/CARECR XXXX XX/XX/2019 {$1200.00}

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 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
SPS, XXXX provided fraudulent statements in a response to my complaint, please see attached. SPS XXXX the Bankruptcy Court Notified them about a Bankruptcy I filed 4 years when XXXX was the mortgage holder on the property. I spoke with XXXX Bankruptcy and my attorney, no notice was sent to SPS about my bankruptcy. If SPS was sent notification I would like a copy of the notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2021-11-22 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 — Investigation took more than 30 days
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: PA

Complaint narrative:
I like to file a dispute for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have filed and Identity Theft Report and the report number is XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I'M receiving email from an repersentative of XXXX XXXX XXXX XXXX XXXX ( current creditor of original XXXX XXXX XXXX account ) this email is from an repersentative of true accord to collect on a debt of an huge amont which was never borrow such amont.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report and needs to investigate in violation of federal law. The Equifax 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 {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I been with this company since I was XXXX XXXX XXXXthis have been the second time I went to the bank customer service had ask me am I sure I have any account with them.this is why I close my saving and only have a checking with this bank.today I went to the bank I did not even get to deposit the money into my account.doing my closing for my XXXX house on Monday as soon as I am done I will be closing this account.some of the people that is working at some of the bank make a lot of people to close their account.that explain why my parents close their account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I consumer XXXX XXXX is not obligated to pay any debt under the provisions of XXXX XXXX XXXX  ( 3 ). CAPITAL ONE has violated my federally protected consumer rights. CAPITAL ONE has reported my personal non public information to the consumer reporting agencies of debt that I don't owe. This is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The consumer must have an option to OPT out of credit reporting before such information is reported, CAPITAL ONE did not give disclosure of documents to opt out of reporting. According to the CFPB 's handbook XXXX XXXX Incentives and Disincentives. Reporting to credit bureaus and other consumer reporting agencies by CAPITAL ONE  is voluntary and CAPITAL ONE has taken advantage of my federally protected consumer rights. I've sent a Cease and Desist several times and CAPITAL ONE believes the only form of communication is by telephone. CAPITAL ONE admits to follow the cease and desist but refuses to follow federal law of XXXX XXXX XXXX ( c ) - cease all communications except to inform the consumer that they will cease collection activities. Pursuant to XXXX XXXX XXXX  ( 2 ) the term " communication '' means the conveying of information regarding a debt directly and indirectly to any person through any medium. This means that CAPITAL ONE can not send ANY communication regarding debt in any way in which makes CAPITAL ONE in direct violation of a cease and desist in place that was sent and received. It was demanded of CAPITAL ONE to validate alleged debt under the provisions of XXXX XXXX  1692g and CAPITAL ONE has failed to due so or respond to several Affidavits of Truth line by line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Good afternoon, I am in the middle of refinancing my home. It was brought to my attention that Ally financial is reporting a debt due on my credit report from on or around 2014. I have disputed this in the past. On Monday, XX/XX/XXXX I called Ally financial directly and was told that the account was paid in full and that there was a XXXX balance. This lines up with my accounting. I asked that they please send me a paid in full letter via fax. Ally financial said that they would however never did. I called back last Thursday and was transferred to about XXXX different people so Im telling me it was paid in full sun telling me it was sold to another company so Im telling me that there was a balance so Im telling me they had no idea what I was talking about. My account with Ally financial was paid in full and was always in good standing. Yep they continue to report an accurate information over and over on my credit 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 2021-11-22 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:
Dear CFPB, I submitted an Identity Theft Report to the all XXXX Credit Bureau on or around XX/XX/2021 and stated, " I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction ( XXXX ) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information, XXXX XXXX XXXX XXXX  in the amount of { {$11000.00} }. The comments on the account now states " Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) '' After receiving this notification I then sent a letter to the Credit Bureau requesting for proof of verification in which I have not received. XXXX XXXX XXXX  violated my Federally Protected consumer rights and also committed identity theft and XXXX other violations under the FDCPA. Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692c ( a ) ( 1 ) 15 USC 1692c ( b ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692f ( 1 ) 15 USC 1692f ( 7 ) 15 USC 1692e ( 10 ) 15 USC 1692j ( a ). Prior to sending the certified mail with the affidavit of truth I was receiving multiple calls at inconvenience times and without my authorization, and letters with the attempt to collect a debt. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) OMB Control No. XXXX in which it is attached. I demand this account to be deleted on my credit report, deletion from all consumer reporting agencies ( XXXX, Equifax, XXXX ) pursuant to USC 1681a ( 2 ) ( B ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. I am demanding that you remove the transaction from my report immediately as they are a violation of my rights as a federally Protected consumer under title XXXX chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: PA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NC

Complaint narrative:
this message is for Transunion and XXXX. this is nothing against the XXXX companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. XXXX with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX turned over to them on the XXXX then she said the XXXX of XXXX. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.

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 2021-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX JP Morgan Chase XXXX I used XXXX with Chase ( bank ) to pay for an order with XXXX XXXX ( merchant ). The merchant baited and switched an item on my order because the item ordered was not what I received. I contacted the merchant and went to the store on XX/XX/21 to return the item after the representative said it was fine. The merchant refused to return the item. There are no clear signs or policies visible that state returns are not accepted. They tried charging me {$10.00} to fix their error. I was willing to exchange for another item. However, that item was not available. We could not reach a resolution and I left the store. 

I contacted Chase and asked for the steps to file a dispute. They provided information like to click on the transactions to file a dispute. However this option did not work for the transaction or tested transactions. I contacted the bank on XX/XX/21 approximately XXXX XXXX - XXXX XXXX. I explained the situation to the representative and they told me unfortunately to contact XXXX. I contacted XXXX after I hung up and XXXX did not assist. I was directed to Chase or as they refer to as financial institution. This time I spoke to a manager who stated that theyre aware that XXXX is not a good company, yet they offer their services to their customers. They offer protection to their customers through debit and credit. However, Chase removed liability when dealing with XXXX who also removes liability. XXXX claims to operate as cash. However, cash is refundable. Banks are also FDIC.

Company response to consumer: Closed with explanation