vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. 

At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. 

I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. 

I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. 

I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX I thought I was doing the right thing by returning the car. 



I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. 

On XX/XX/2021 and XX/XX/2021 I sent letters to the credit bureau 's and creditor. 
The repossession was removed from XXXX and Equifax but not from XXXX. 
The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Affidavit of Truth Notice to Navy Federal XXXX, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most High of creation and I depose the following facts, so be it, now present ; 15 us code 1681 says Subject to ( c ), any consumer reporting agency may furnish a consumer report in in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. 

Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that ( consumer reporting agency ) is in violation of Truth In Lending I was never informed or presented when the rights to cancel expired. 
No Truth In Lending disclosure forms were presented at the time of the consumer credit transaction. 
No Rescission Process during the consumer credit transaction. 

Fact, Affiant is aware and has proof in attachment labelled Exhibit A that ( NAVY FEDERAL 15 U.S. Code 1605 - Determination of finance charge is in violation of ( Truth in Lending Act1, The TILA was first amended in 1970 to prohibit unsolicited credit cards. CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT ( 3 ) Notice of right to cancel. -- Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. 
" ( 4 ) Rule of construction. -- Closure or cancellation of an account by the obligor shall not constitute a default under ( B ) the creditor has provided the obligor, prior to the commencement of such arrangement, with clear and conspicuous disclosure of the terms of the arrangement FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, so they are civilly liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent numerous letters and tried to resolve this issue. I demand this account be deleted immediately. I am in litigation and by law this agency must delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have sent numerous letters and tried to resolve this issue. I demand this account be deleted immediately. I am in litigation and by law this agency must delete. This is a violation of law.

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 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland has updated a negative tradeline on my credit report for a past debt. They have updated it since I originally disputed this tradeline via XXXX credit reporting. Midland has the right to add a negative tradeline to my credit report, I am not disputing that. However, I am disputing that they keep updating the negative tradeline on my report countless times since XX/XX/. I did submit a dispute XX/XX/ ; however, I did not continue disputing the negative tradeline since then. 

What has now occurred, is my credit number has gone down into the XXXX 's when it was in the XXXX 's. 

I have attached a copy of a portion of my credit report reflecting Midland 's updating the balance ( which is actually never been updated ). They did this balance update in XX/XX/XXXX and XX/XX/ ( attached ). This has been happening to my credit report since XX/XX/. Multiple updates made by Midland to the negative tradeline. Midland is violating my consumer rights and not abiding by the Fair Credit Reporting Act via FTC ( Federal Trade Commission ). They may only list a negative tradeline once on my credit report, and they may update if I dispute, but it does not give them the right to update the negative tradeline several times a month since XXXX XXXX They are in violation. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please refer to COMPLAINT ID XXXX and reopen it. 

This should be reopened, it is unclear why the CFPB did not conduct a thorough review of the Bank of America making excuses for stealing from me. The bank misrepresented its features and costs, then withdrew money from my account without my consent or agreement, and it has not made a representative available who was present nor followed my request for easy resolution. 

Thank you.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
experian IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY experian. THE STATEMENT IS STATED AS FOLLOWS " Notices The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security Administration., '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question highlighted

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX Please review this updated complaint I submitted the wrong bureau letter in previous complaint*** A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. On XX/XX/ and XX/XX/ I sent letters to the credit bureau 's and creditor. The repossession was removed from XXXX and XXXX  but not from XXXX. The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report is reporting XXXX XXXX  incorrectly reporting late payments inaccurately i sent this to XXXX and equifax and have yet to see the inaccuracy deleted or updated, this is dragging my credit score down. i need this deleted as soon as possible its unfair. its an inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Company has failed to provide specifics on whom validated this which has to be provided to me under attached is a letter I have sent that has yet to be answered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Despite the fact that I never gave any company authorization to contact me as the original creditor and executor, they did so frequently and abusively. Under the Fair Debt Collection Practices Act, 15 USC Section 1692, I was a victim of invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The account was a wayfair store card with comenity bank. Comenity bank stopped doing business with wayfair and all accounts were closed. I still owed a balance and continued to pay on it until XXXX of 2021 when I just went ahead and paid it in full. The card was closed because the company was no longer accepting the cards. Comenity continued to charge me interest for XXXX, XXXX, and XXXX after I paid it off. Then they charged me a late charge too. In XXXX I got a text message telling me I was behind so I called the company. The XXXX  the balance for the incorrect charges but said they could not correct the credit reporting. Below you will see in attachments that I paid this off in XXXX but they still charged me interest after it was paid off. Each additional month I was charged interest and a late fee. The XXXX statement with a XXXX  balance is not available yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I sent a letter to Convergent Outsourcing to provide me legal documentation for this alleged debt after auditing my credit reports, and never receiving a dunning letter from them. I am not liable for this debt with XXXX and I do not have a contract with Convergent Outsourcing. In addition, they did not provide me with the original application like I asked them. They completed ignored my letter, and but fail to provide me with the original application therefore they need to delete this account from 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 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter to wakefield and associates asking them to verify my debt with my signature and any other proof. On XX/XX/2021 all I received was a bill with no name social security number or signature. just amounts and dates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 just suspended the account of my small business that i have been working hard to build and held all the funds for no reason. Additionally they accused us of " deceiving Paypal and it's customers '' with zero explanation. I haven't been able to get any sort of answer from customers support and the only option we have is to take this to court. This Paypal account had tracking numbers and details for every order we received. All the orders are processed through our official website and none of our products is against Paypal policies.

This has been extremely painful and is driving my small team and i crazy, if anything could be done please help.

If it's possible to submit the account for a review if so how can we do so? 
My email paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Identity theft has happened to me. As a result, someone obtains access to my personal information. My credit report contains accounts about which I am completely unaware. I'm sending my ID and identity theft report for Block and Removal of information on my consumer report, as required by 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm filing this complaint against XXXX  and Experian because they have yet to remove this unverified account for my credit reports I previously sent them four letters attached with the letters I received from first XXXX XXXX  stating after they completed their investigation they determined that I'm not responsible for the disputed account but yet the credit bureaus have yet to delete this from my credit report so now I'm making this complaint so they can remove this negative unverified 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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
The credit reports from Ally pulled by XXXX and several others were not by my consent.

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 2021-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor

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