vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have Called for over past two years about this account it has harmed my consumer reimport causing me not to open a bank account and survive. I am asking you to remove this fraudulent account from early warning system and 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 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have called xx multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. Xx company continues to run my credit score into the ground because inaccurate information. XX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. Xx has no right to place this information on my consumer reports when I have informed them that it is inaccurate.

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 2022-02-11 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: MA

Complaint narrative:
I have additional information regarding my request from XX/XX/XXXX to BLOCK account, XXXX XXXX, fraudulently furnished on my EQUIFAX credit file. Be advised that I do not have any liens in my name related to this account and have attached the MA Secretary of State 's certified report reflecting such. 

With that said, in response to EQUIFAX refusal to block the fraudulent account, on XX/XX/XXXX I submitted a CFPB complaint # XXXX in which I requested that EQUIFAX provide me with the material proof that led them to determine that the XXXX XXXX account is actually mine. In response I received a letter by mail on XX/XX/XXXX, dated XX/XX/XXXX, falsely stating that they will not block the information because I need to provide proof of identity, specific information that is the result of identity theft, and a copy of FTC identity theft report. Note that I have submitted the following to EQUIFAX on three occasions : 1 ) letter regarding identity theft and requesting block which included my ID, 2 ) police report, 3 ) and an FTC Identity Theft report. These documents were submitted via EQUIFAX webportal on XX/XX/XXXX, and attached these documents to the related CFPB complaints I have opened : # XXXX and # XXXX. 

NOTE THAT ANY RESPONSES FROM EQUIFAX REGARDING THIS MATTER SHOULD BE SUBMITTED VIA THE CFPB PORTAL AND NOT VIA ANY OTHER DELIVERY METHOD. 

I've attached the following supporting documents : Secretary of State certified lien report ; Letter sent to EQUIFAX w ID ; Police Report ; FTC Identity Theft Report ; Letter disputing EQUIFAX 's refusal to block ; Confirmation of documents receipt via EQUIFAX online portal ; EQUIFAX 's response letter dated XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: WY

Complaint narrative:
In signing up with Experian as part of the XXXX Settlement, they require that you agree to cookie use and targeting advertising. I'm sure this was not the intent of the settlement. It is wrong that in order for victims to gain the benefits of an awarded settle that they now have to agree to additional terms that include new data mining of victims as well as agreeing to targeted advertising by third parties. None of this should be required in order for those of included in the class action suit to receive their settlement. No one should have to opt out of cookies collecting private information and then marketing this info. Only when a person OPS IN should this occur ( no passive opting in and no forced acceptance should be permitted ).

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 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
After applying for a mortgage, I noticed my XXXX score was much lower than expected. Upon receiving the full credit report, noticed there was a fraudulent collection in the amount of {$220.00} from Credit Management for original creditor WOW. I have never had WOW cable or internet services in my life. The credit report also listed an alias that I have never used and an address at which I have never lived. 

On XX/XX/XXXX I contacted both XXXX and the collection company Credit Management to notify them of the error. Credit Management stated I had to complete all the steps on their website under their ID theft/Fraud Claim section which includes submitting : a Federal Trade Commission Identity Theft Report, the police report with this account noted as fraudulent, my social security card showing only the last four digits, my photo ID, and proof of residence from XX/XX/XXXX when the collection was reported. Everything was submitted to Credit Management on XX/XX/XXXX. They have not provided any updates or responded to my status requests. 

A representative from XXXX called & said I should receive an affidavit from them. I did not receive it so I emailed XXXX asking when I can expect it. They responded stating " The account # XXXXXXX is not under your name or address. I checked the social security number that was on the account and it does not belong to you. I do not see any evidence that this account was opened fraudulently in your name. There is also no balance on this account. No action is necessary on your part. '' I responded " That is not true. XXXX reported a collection to a collection agency and it is now on my credit report. So if it wasn't fraudulent, then it was XXXX 's error and I expect it to be corrected immediately along with a signed letter from XXXX on letterhead stating that is was reported in error, that they are correcting this error with the collection company, and that I have never had an account with XXXX. '' They responded that they would have to look into it further. XXXX  has been provided with a copy of the police report and my credit report showing the collection. 

Per the police report, the police went to the address now listed on my credit report and asked for the alias. Per the report, the alias was cooperative and willing to work with deputies & XXXX cable to figure out how this happened. 

Credit Management on behalf of XXXX has still not deleted the erroneous collection from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I contacted the collection agency on numerous occasions Portfolio Recovery us reporting this debt as a new debt they are reporting this debt as the date they purchase the debt from XXXX they are reporting XX/XX/XXXX as date which isnt true this collection was opened on XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act as it clearly states that that you can not report a charge off debt as the date your purchase the debt because they have altered the charge off date as the date purchase it is committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than XXXX days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I purchased solar panels from XXXX XXXX XXXX and were advised that the payment for the panels would begin when the panels are installed. The contract was signed on XX/XX/XXXX and its now XX/XX/XXXX and I have no solar panels. I received a copy of the contract that stated my 1st payment will be due on XX/XX/XXXX instead Mosaic sent me a statement for a payment due on XX/XX/XXXX. I will have to pay 2 bills my electric bill and Solar bill with no solar panels to show for it. I was advised by Mosaic to discard the contract and pay them on XX/XX/XXXX. I asked to speak with the manager to get the situation escalated and at the end of the week I was advised to make the payment by the manager XXXX. 
This is very confusing and unfair to pay for goods and services I dont have especially when I have a copy of a contract with a different due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I called Citibank ( XXXX ) on XX/XX/22 at XXXX XXXX to close my Savings Account. The Customer Service Agent advised they could not close my account and gave me another number ( XXXX ) to call to close my account. When I called that number, they stated I needed to provide them with my account number and social security number. They then asked for my credit card number because they needed to charge me {$4.00} to proceed with closing my account. This did not sound right so I hung up and called the original Citibank number back. This time the Agent said they could help me and they closed my account. Unfortunately, someone has my account number and social security number and I don't believe it's actually Citi, even though one of their employees gave me the number which I verified was correct with them before calling.

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 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pavilion Payments US BuyerCo, LLC
State: NY

Complaint narrative:
I signed up for XXXX XXXX because they were giving away free play money. I signed up with all my personal information and turns out it was a complete scam. I won money and they wouldnt let me cash it out. Instead, they tried to take {$420.00} dollars from me that I did not authorize them to do. I tried to get in contact with this company and you cant even get a hold of anyone. Therefore, I disputed it with my bank because I did not authorize them to take that money. Now, they sent me a debt collection letter saying I owe them the money when it was already disputed with my bank and threatened me with a letter that they were going to report it to credit companies and take a hit on my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: IN

Complaint narrative:
I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. XXXX  company continues to run my credit score into the ground because inaccurate information. XXXX XXXX XXXX refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX  has no right to place this information on my consumer reports when I have informed them that it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: IN

Complaint narrative:
I have called XXXX multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myJeep is paid for free and clear. XXXX company continues to run my credit score into the ground because inaccurate information. XXXX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. XXXX has no right to place this information on my consumer reports when I have informed them that it is inaccurate.

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 2022-02-11 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: Byrider Franchising, LLC
State: SC

Complaint narrative:
I am an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Friday XX/XX/2022 I received a Capital One debit card via mail. 

I called Capital One and asked how the checking account was opened and when. 
They did not know. 

I asked to close this account as I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
I got and second Debt Collection Incoming call from XXXX XXXX regarding and loan accoun. 
After I has adivised them on XX/XX/2022 that i has retained Chapter XXXX Bankrupcy Counsel from the Allmand Bankrupcy Law Firm and to direct all communication with them from the PDF Chapter XXXX Bankrupcy Counsel retainers Agreement below attached in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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:
I tried to dispute a unauthorized inquiry on my report and they asked for a letter that Ive sent out to get things taken off and they never received it somehow. They revert me to XXXX  XXXX where i got the inquiry from and XXXX  XXXX  tells me to call equifax to get the inquiry removed and equifax tells me to call XXXX  XXXX. Its a cat and mouse game with them and they wont just remove my inquiry off my report no matter what i do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reached a settlement arrangement with Capital One Auto for the remainder balance left after a total loss. Paid the final amount, XX/XX/2022. Never missed a payment. When I call the automated system it states the account is SETTLED IN FULL. They reported it as charged off this month, even thought the message states it was reported as settled in full. When I called they tried to say it was something they couldnt fix retroactively. It shouldnt have to be fixed since I was told it was settled and an agreement was made and met. This is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
Hello, On XX/XX/2021I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, XXXX, and Transunion. XXXX deleted derogatory from XXXX, but not XXXX and Transunion. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for DEP and FDEP permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX XXXX as their XXXX XXXX, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At XXXX and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved

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