vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft MIDLAND CREDIT MANAGEMENT Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Experian credit bureau is currently reporting inaccurate information on my credit report. They have listed a hard inquiry onto my report that I have no knowledge of. It is a hard inquiry from XX/XX/2020 by XXXX. I've already submitted a dispute about this situation and did not receive any response or acknowledgement of it. Since I've submitted a dispute over 30 days ago, I would like for this Hard Inquiry to be removed 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 2021-07-14 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: U.S. BANCORP
State: TX

Complaint narrative:
I received a letter, dated XXXX/XXXX/2021, from US Bank, XXXX, ND XXXX, which stated they had received an application for a credit card with my name and personal information. The application was received on XX/XX//2021. The address on the application was XXXX XXXX XXXX, XXXX, VA XXXX, which is not my address. 

I called US Bank today, XX/XX/2021, and informed them I did not apply for the credit card. They are going to report the application as fraud.

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 2021-07-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it ''  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity ''  to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
unauthorized use of credit reports.

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 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Statebridge Company
State: IN

Complaint narrative:
In XXXX of 2021, my auto loan from now defunct XXXX XXXX XXXX XXXX XXXX was sold to Statebridge Company , LLC to continue the same car payments ont he same due dates. I began sending checks to cover the payments for payments due on XX/XX/2021 and XX/XX/2021. These checks cleared, and my bank paid the checks. I then switched to my bank ( XXXX ) handling the payments through their Bill Pay service starting with the payment due on XX/XX/2021. Again, the amounts were paid, and money withdrawn from my account. On XX/XX/2021, two payments were " reversed '' with no explanation and no refund or communication from Statebridge Company. Now I show 2 payments behind when I am not. Had contact with my account rep but she is unable to solve the issue and billing department does not seem to be acting. Have called Statebridge Company several times during business hours, but they play a message stating the company is closed for the day. I feel as though this company is engaging in very suspicious behavior to potentially glean more money than what is owed from customers which could affect their credit rating and potentially lead to loss of cars or homes due to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer report 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 2021-07-14 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: NY

Complaint narrative:
Experian have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in  Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in 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 2021-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
This concerns my Safe Deposit box. On XX/XX/XXXX I went to Citizens Bank to access my safe deposit box. I was told it was in either XXXX or XXXX. A year or so ago I received a letter stating that due to remodeling, the safe deposit boxes were going to be off-site. I believed this was temporary. I never dreamed it was permanent. I requested that it be sent back to the bank for me to access. I wrote to the CFPB the next day. Unfortunately I mailed it to an old address, so when it came back 10 days later ; I re-mailed it to you. I checked weekly to ask where it was, just to be told it may take two weeks or so. Just today ( XXXX XXXX ) I stopped in and they apologized, saying they had talked to someone but were awaiting an E-mail stating that it was sent but hadn't gotten one yet. One month. I then told them that when it comes in, my wife ( who is co-owner ) would stop in with the key. They said no key was needed, it would be sent in a secure bag. It was ONLY THEN that I realized that they had access to the contents without me being there! I actually though that they were going to send the box up to the bank for us to access. What is the point of a safe deposit box that is accessed by other than the key holder? Just wanted to send an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
Called the Debt Collector Security Cred and explained I never received any notification from them they just appeared on my Credit Report. I also had them verify my information and discovered it was not me, the information did not match my home address. So I am disputing the Validity of the debt due to I have no knowledge of this account, and no notification of this debt giving me the opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I receive extended warranty coverage through a Costco Citi Visa credit card. Claims are handled by XXXX  XXXX XXXX. I submitted a claim on XX/XX/XXXX for the failure of a device that I purchased under warranty from XXXX on XX/XX/XXXX. The purchase information, device warranty, evidence of failure and customer information were submitted to XXXX  XXXX XXXX with the initial claim. Additional information was requested and submitted on XXXX XX/XX/XXXX I received a claim denial from XXXX  XXXX XXXX stating `` As the manufacturer 's warranty for this product does not cover damage/broken parts, no coverage applies. '' This claim was wrongfully denied as the parts were not damaged, but rather failed during normal use due to some sort of manufacturing or design failure.

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 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I asked, On XX/XX/21 an XXXX user by the name of XXXX XXXX asked me, a XXXX XXXX and XXXX XXXX, to create a birthday song for her son for {$500.00}, and asked to send a {$200.00} deposit. I agreed, and she claimed she got a check made for {$2000.00} by accident and would not be able to get another check for a month, and though I said I can wait until the full {$500.00} payment, and I can wait until a {$200.00} payment can be officially made out. She responded, I cant deposit another check, and its already been made out. I then deposited the check and she requested the {$1800.00} sent back via Zelle. I then Zelled the money back and later found that a negative balance was in my account for the first time. Then learned after 7+ hours on the phone with XXXX XXXX  and a 4 hour phone hold, that Zelle can do nothing because Zelle has a zero-recovery ability for fraud. Meaning {$2000.00} was scammed from my account and my bank can do absolutely nothing to replace this. I have screenshots and proof of all the conversations, even though XXXX XXXX was able to delete many of the initial messages, including her initial message to me and all the details involving how she wanted the song made. What was left, however, was her Zelle requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I paid this debt for my son 2 years ago while he was in XXXX. I have communication from the debt collection company stating that it was satisfied and it shows on his credit report as satisfied. Now 2 years later I get a call from another debt collector representing their call about a legal case in AZ and they sent a process server to my home and went and spoke to 1 of my neighbors about this matter for something that was resolved 2 years ago. When I spoke to them on Monday XX/XX/XXXX they were going to send me their information on the case ( which tells me they knew that it was closed ), however they never sent anything. I have my own records from the debt collector that I dealt with stating that it was paid in full and resolved. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I called the original debt collector that I dealt with ( XXXX XXXX ) and they confirm that it is paid in full but Ace Cash Express must have sold the debt again to this XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer credit report 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 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: NY

Complaint narrative:
They give me. Whats time when applying fir the card first they said they need my identity license and social they put it on holf they said I qualify fir the card but wont send me anytning its so annoying and frustrating how they are

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 2021-07-14 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: WI

Complaint narrative:
I've been sending letters to TransUnion every month since XX/XX/2021, addressing inaccurate information/accounts. Since my initial dispute letter in XX/XX/XXXX, I've subsequently asked for Method of Verification, I've done Factual Disputes with attached proof of everything for my disputes - to include copy of emails from XXXX XXXX XXXX CEO stating account could not be located, proof that I placed a freeze on all third party reports, proof that TU is reporting differently than XXXX  & XXXX. I've also addressed and attached proof that TransUnion continues to report an account that was deleted by the other two CRA. With each letter sent, I attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately & that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting. That they're also supposed to provide me proof of how they got the information, steps for their investigation. Repeatedly they cite verified without providing proof if how or where they get supposed verified information. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty. TransUnion is blatantly violating several sections of the FCRA. I demand that TransUnion delete any and all derogatory remarks on my report pursuant to USC 1682 b ( 2 ). Furthermore, I feel they should be sanctioned for violations of the FCRA sections 609, 611 & 623.

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 2021-07-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 we sent a payment of {$1200.00} towards our required {$620.00} mortgage payment. This payment was divided by the mortgage company into two mortgage payments for XX/XX/XXXX & XX/XX/XXXX therefore being short {$42.00}. I called Mr. Cooper to find out why this payment had been split to find out that they were not aware that his had happened and it would not happen again. On XX/XX/2021 we received a corrected mortgage loan statement designating the monies to their proper place. On XX/XX/2021 we received a mortgage loan statement that has repeated the same as the XX/XX/XXXX statement, dividing it into two separate payments and not applying the additional monies towards the principle. 
The loan number and mortgage provider are in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation