vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 consumer report. I demand that Experian, XXXX, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41. 15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies. Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. Experian, XXXX, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. With all the information provided above for example, Experian, XXXX, and XXXX have been reporting without my consent a case that is in LITIGATION since 12.26.2019. The alleged attorney claims to be representing XXXX XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.

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 2021-10-30 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: LoanCare, LLC
State: PA

Complaint narrative:
My problem is with loancare. I paid them in XXXX and they say I didnt. I sent them the proof, but continued to report that not paid. Now they are stating XXXX wasnt paid. Sent them the cancel check. I was told there would be a freeze on the account until the issue was resolved, but there is not. Please help correct this error. 
There is also a problem with XXXX. They are stating the bill is delinquent, but they never send me a statement. Spoke to them on several occasions. Please help. 
Thank you so much for your consideration. 
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 2021-10-30 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: TX

Complaint narrative:
I filed a dispute on XX/XX/2021 with the following credit bureaus stating that the following items attached to this message did not belong to me and has inaccurately been placed on my account. I requested for them to please remove the items, however, no response. 
The credit companies are not complying with their on company policies within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc.
State: WA

Complaint narrative:
I have received a debt collection notice from NCS ( National Credit Services Inc. ) located at [ XXXX XXXX XXXX XXXX, WA XXXX ] today XX/XX/XXXX in my residence mailbox. The notice is dated for XX/XX/XXXX. The debt in question is from creditor XXXX ( XXXX XXXX XXXX XXXX ) for an unconfirmed and presumed parking violation on XX/XX/XXXX. The letter also encloses the principle amount and interest. Enclosed in this letter is no proof of violation or contact number for the parking management company. 

I had called the debt collection agency ( NCS ) about the claim and they informed me of which parking lot the alleged violation is in as well as asking me if I wanted proof of the violation. ( of course I do ) But now they have to mail it out to me again. I have no recollection of being at this parking lot the date that is posted.

Here are my issues with this whole process so far...

1. Like any normal parking violation, one would expect a ticket on the windshield of their car if violated. This was not done.

2. No attempts were made to communicate to me that a violation had been associated with my license plate. The company has an online portal for payment/checking. I check the mail twice a week. 
3. Instead of trying to communicate with me through writing or other means, the parking company ( XXXX ) immediate first response is to file a debt collection against my name. This is serious business as it appears on credit reports. 
4. I tried looking up my plate through their online portal at XXXX XXXX XXXX # /citation/citationSearch and my license plate did not show up in their database. Thus I proceeded to email the company to ask about the violation. Their response was that they could see the record but refused to communicate with me about the violation, provide evidence, or offer a resolution. Only said I could communicate via NCS.

5. The debt collection agency was extremely slow with their correspondence. My debt owed is only {$70.00} and although interested may amount to a few dollars, this may not be the case for people who have outstanding debts in the thousands.

The lack of professionalism or empathy from either company is appalling. The debt collector only sent me a letter noting I owed money, how is one to trust this. Also communication can only be done through writing, this is the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Dear XXXX : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear XXXX XXXX XXXX : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of XXXX XXXX Card and XXXX XXXX, Copy of XXXX Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX APEX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX LONESOME XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX PINE XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX XXXX. XXXX - CARD SERVICE Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  SPECIALISTS Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. NC XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( XXXX ) XXXX days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had fraudulent activity on my account for a few months. I have complained many times and nothing was done til there were fake mobile deposits. I call the bank to ask what it was and they said the closed the accounts due to a previously known device that was not mine for fraudulent activity. I can not get a copy of my bank statements or any help filing a fraud report. I was simply told to call a lawyer they won't give me anything. The account was closed due to mis use of mobile deposits even though they know it came from someone else who has previously done this to other Bank of America accounts. So they closed my account saying I did something wrong even knowing it was someone else. My account was closed for their inability to stop a known issue but they are blaming me.

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 2021-10-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My FICO score was well over 800 at one point this year. It took some unwarranted hits in late summer when I took action on several suggestions from Experian to apply for a 0 % interest credit card to pay off an essentially dead account with XXXX XXXX, a high interest card. I took action on these suggestions and secured an 18 months 0 % interest card with XXXX XXXX, a XXXX XXXX. By so doing I am paying off this old debt with payments that will pay off the total balance transfer before the interest free period expires. Experian has failed to recognize this credit card for what it is, an interest free balance transfer. Because they fail to do this it shows as a sudden spike in credit usage and has adversely impacted my " exceptional '' credit rating which I have worked diligently to achieve. I continue to receive suggestions from Experian to acquire an interest free balance transfer card or a small interest loan to retire this amount with XXXX XXXX. They wouldn't continue to bombard me with these suggestions if they were looking at my XXXX XXXX Card balance transfer as the solution they were recommending all along this past summer. I am frustrated with their actions which are essentially unwarranted and keep bouncing my credit score around to the point where I don't want to log on each month. It's their mess!

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 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed

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 2021-10-30 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:
I recently received a letter from Equifax stating that they had a data breach in XXXX and that my information was leaked in that data breach. I received this notice in XX/XX/XXXX. Since then I have also received several other communications from different companies stating that my information has been breached. The IRS has sent me a notice stating that someone has filed taxes for me. XXXX sent me a notice saying that my information was leaked during their data breach. An old employer sent me a notice saying my information was late during their data breach. I have filed a report to the FTC and my local police department for all of these incidents. Equifax has not handled any of this properly. I never receive my full credit report. And when I do it has very different and inaccurate information on it including but not limited to my name addresses accounts and they also have four separate accounts for me with my name spelled differently one of them in the country of XXXX when I reside in the United States. All using my same Social Security number. XXXX XXXX is quite the same scenario. I am unable to resolve any kind of issues with any of these credit bureaus. This is including Equifax XXXX and XXXX XXXX. I have documentation to support my position if needed. Please advise what the next steps are that I have to take. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: UT

Complaint narrative:
I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have sent copy of letter from XXXX XXXX XXXX 3 times showing a 30 day past due is to be removed from my reports. This still has not been removed

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 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX credit account has not been added to 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 2021-10-30 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : XXXX XXXX XXXX XXXX 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 2021-10-30 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: LA

Complaint narrative:
This is my second notification informing you that the following inquries are fraud At home XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I have not applied to these companies. Delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: OH

Complaint narrative:
There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX # XXXX -XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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:
There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX -CXXXX XXXX XXXX, XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -XXXX # XXXX -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