vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-07-20 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-07-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2021-07-20 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: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX I sent Portfolio a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent XXXX, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On XXXX, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX I sent XXXX a validation request and then a follow up letter and have not received a response. On XXXX, XXXX, I sent Equifax, XXXX, and XXXX  both letters and requested removal/investigation and have yet to receive a response. 

The accounts have been re-aged on XXXX and XXXX, open dates are all conflicting on all three bureaus, Comments state dispute resolve but Ive never received a response in over 3 months. On Equifax, they are reporting a derogatory account with a last active date in XXXX but reporting on time payments in XXXX and an account status of 120 days late. This is all incomplete and inaccurate information. 

Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2021-07-20 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX and I, XXXX XXXX, purchased a XXXX XXXX XXXX XXXX XXXX VIN : XXXX from Toyota of XXXX. I made a down payment. We were financed for the vehicle through Toyota Financial Services. 

On XX/XX/XXXX I caught XXXX engaging in XXXX with another person. The personal relationship dissolved or ended. I repossessed the vehicle. 

On XX/XX/XXXX XXXX apologized and reconciled so I returned the vehicle to XXXX. 
On XXXX the XXXX, XXXX XXXX continued engaging in the cheating, lying, and trickery to obtain the vehicle. 
On XX/XX/XXXX XXXX did not pay the first payment {$370.00} and did not pay any money toward insurance coverage for the vehicle. 
On XX/XX/XXXX I filed a Civil Plenary Complaint in XXXX Circuit Court 4. ( Attached ) On XX/XX/XXXX Court ordered XXXX removed from the vehicle and full ownership awarded to me. ( Attached ) The court determined that the debit obligation exceeds the market value of the vehicle. 
On XX/XX/XXXX I put check # XXXX in the mail for the initial payment. 
On XX/XX/XXXX I called Toyota Financial Services to remove XXXX from the Retail Sales Contract. They refused to remove XXXX from the contract. They said they can not remove XXXX from the contract nor abide by the courts order. They refused to refinance the vehicle in my name only so that I may get the vehicle Titled and plated in my name only. Toyota Financial Services are taking initial steps to repossess the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-07-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has in several occasions violated my consumer rights of accurate reporting despite certified mailings, online disputes calls to speak with live agent. They have even lied and said they have not received my certified mailings. 
They are reporting inaccurate name, address, balance, date of loan, date of charge off and repossession. Despite what they have been given by XXXX XXXX  there jobs is to find the burden of proof and report or remove inaccuracies what they have done is based off my disputes corrected my name and address and not investigated my other requested disputes. I have received a letter From XXXX XXXX on there own letter head and from a person in manage burden of proof showing incorrect name, address, and year of debt. I have submitted this info for the last time so it maybe deleted per my consumer rights! Which experian continues to violate. I have exhausted all pleas to remove NOT update ongoing false and inaccurate information. They know I have been a victim of fraud and have provided them with accurate personal information which would of helped resolved this ongoing issue. It has caused me unnecessary stress along with ongoing medical issues in which prompted me to try to resolve this issue for the last few months XXXX XXXX XXXX has reported to CFPB they have informed experian to remove the account from my credit report and experian has updated it as accurate again proving they are in violation of the law and have not complied with fair reporting practices

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 2021-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
XXXX Over the past 12 months, possibly more, " Halstead Financial Services '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone.

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know XXXX will ultimately handle all wrong doings, so I find solace in that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX Over the past 12 months, possibly more, " XXXX XXXX XXXX '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX  answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone. 

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know God will ultimately handle all wrong doings, so I find solace in that fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: NV

Complaint narrative:
'oportun ' is mailing pre-approval letters to nevada residents. the residents are not in fact pre-approved. 'oportun ' is stating verbally, that a loan decision will be made in 15 minutes. this is false. when 15 minutes passes, 'oportun ' states that a decision is made within 24 hours. this is false. when 24 hours pass, 'oportun ' states that a decision will be made in a few days. this is false, when a few days passes, a decision is made in 2 weeks. 

oportun sent me a false denial letter in the mail after 2 weeks. the letter stated that the loan was denied, because they were unable to verify my identity. however, this is false. I verified my identity, including scanning and sending verification of identity documents on Day 1. I then personally reached out on a daily basis, each time verifying my identity with random agents by phone. I uploaded all requested documents. The denial reason was false. 'Oportun ' is using a false denial, for their applicants, while doing hard credit pulls, with no intention of doing an accurate underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: The CMI Group, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: IL

Complaint narrative:
Its XXXX  I just got out of XXXX can u please help me I dont understand this stuff on here

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 2021-07-20 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation