vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!

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

Complaint narrative:
I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!

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 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I've already contacted cpfb once over fifth third bank letting someone steal. My money they switched the addresses on my account while I was XXXX for 2 years they sent a reply to y'all said time frame is why they can't refund my XXXX XXXX first off I know that's illegal because I was not notified due to their negligence and letting someone change address to ones I don't know and steal XXXX XXXX from me and I wasnXXXX XXXX  two years I had no knowledge and then when I get out I've called and got around I sent proof where the bank let.them.change it XX/XX/XXXX I was XXXX on XX/XX/XXXX awaiting extradition for XXXX XXXXime in VA I could not have known or took money out they are at fault

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

Complaint narrative:
On the above date and time and had a few inquiries that has been reported to Transunion, XXXX that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting Transunion XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XX/XX/XXXX + Complete XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent

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 2021-07-07 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: FL

Complaint narrative:
Consumer rights have been violated. Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-07-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
Consumer rights have been violated. 
Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account with the Bank of America. My name is XXXX XXXX and my address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

The Bank of America cleared a check against my account with the name on the check XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX with the check dated XXXX for $ XXXX cents. The check ( copy attached ) looks fake, is fake but has my checking account at the bottom. 

I reported the check as fraud to the Bank of America but they decline to refund the amount to my account. While their argument is that I was over the time limit to report the fraud, seperate from this the law is clear, in the case of negligence by the Bank ( which this clearly is ) the Bank is responsible and the state of limitations for fraud in California is 3 years.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp
State: GA

Complaint narrative:
2020 company has reported negative information, thus damaging my credit report. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. According to the Truth In Lending Act ( TILA ) pursuant 15 USC 1602 ( l ) a " credit card '' is defined & the " social security card '' is validated as a " credit card '' I have never provided my social security number or card for any line of credit from this company, and even if I did, I am an administer agent pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX XXXX pm capitol one venture card representative after holding for an hour i was able to speak to XXXX XXXX whom seem to get upset when i mentioned i had been on hold for and hour and wanted to get my issue resolved quickly. instead she placed me on hold and then looped my call so i had to start the process over again. i feel this was done due to my last name being XXXX. 2 hours later still no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Continental Credit Control
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NV

Complaint narrative:
Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2021-07-07 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: NY

Complaint narrative:
I'm not gon na lie, I'm XXXX off!!! On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care Of. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt or inquiries are as follows : ( 1 ) XXXX XXXX XXXX  XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, ( 3 ) XXXX XXXX MAZ XX/XX/XXXX, ( 4 ) XXXX XXXX XX/XX/XXXX, ( 5 ) XXXX XXXX XX/XX/XXXX, ( 6 ) XXXX XXXXXX/XX/XXXX, ( 7 ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( 9 ) XXXX XXXX XXXXXXXX ( 10 ) XXXX XXXX XXXX XXXX  XXXX ( 11 ) XXXX XXXX XXXX XXXX XXXX XXXX, ( 12 ) XXXX XXXX. I expect the CFPB to make them remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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:
On the above date and time and had a few inquiries that has been reported to XXXX, Equivax that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXXXXXX, XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: MiraMed Revenue Group LLC
State: FL

Complaint narrative:
XX/XX/2021 I checked my credit report and it has been brought to my attention that Miramed Revenue Group , LLC has 2 negative remarks on my report of {$120.00} and {$120.00}. The total debt they are claiming that I owe them is {$250.00} ( see neg_remark.jpg ). On XX/XX/2021 I mailed Miramed Revenue Group , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Miramed_validation_letter.pdf ). I mailed Miramed Revenue Group , LLC the registered letter to its listed address on XXXX and from their main website and I have yet to receive a response. The registered letter was sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Miramed Revenue Group representative. It has been over 30 days and I have yet to receive any response from Miramed Revenue Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Lending Club Corp
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on XXXXwo separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XX/XX/XXXX1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Problem with personal statement of dispute
Company: ERC
State: MD

Complaint narrative:
A collection was illegally place upon my credit report with all 3 credit agencies, without my consent. XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPANY ). Once paid and settled, I requested the creditor to delete the account from my credit report. They refused to. I requested XXXX, XXXX, and XXXX to remove the unverified item off my credit report. It simply came back as verified as paid. I understand my rights under the Fair Credit Report Act, so dismissal of this account from my credit report is requested at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation