vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I called transunion to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XXXX XXXX and the second one was from Kohls on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX  to remove inquiry off my account and the refuse to help me as well. Its from XXXX XXXX on XXXX XXXX also was fraudulent. Can you please help me!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I called XXXX to remove two inquiries off of my credit report and they refuse to help me. The two inquiries are fraudulently. The first one was from XXXX XXXX XX/XX/2019 and the second one was from XXXX on XXXX XXXX. I really need these off my credit report with XXXX. Also I reached out to XXXX to remove inquiry off my account and the refuse to help me as well. Its from XXXX sync/PayPal on XXXX XXXX also was fraudulent. Can you please help me!!!!!!

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 2021-02-01 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: MI

Complaint narrative:
Checking my report today I noticed that it was some inaccurate items & accounts on my report I never opened or gave my consent to anyone to 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 explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Debt belongs to XXXX and American Express brought this issue in front of the same court on XX/XX/XXXX and this case subsequently was closed after 4 years of constant harassment. Debt belongs to XXXX statute of limitation on the debt has expired but the harassment has continued. 
1- It has been 10 years since original debt and Statute of limitation on this debt has been expired. In Nevada, the statutes of limitation NRS 11.190 for credit card debts are generally 4 years from the time of first non payment. 
2- Notice of appearance was sent to a wrong address and late to ensure that I, XXXX XXXX , will not receive the notice. 
3- Original complain in XXXX was not brought in a timely manner, As the Supreme Court confirmed in the case of Rotkiske v. Klemm , 140 S.Ct. 355 ( 2019 ), discussed below, absent the application of an equitable doctrine, lawsuits arising under the FDCPA must be brought within one year from the date on which the violation occurs. ( 15 U.S.C. 1692k ( d ) ).

4- FDCPA Statute of Limitations was established so harassment such as this are not open ended and fear, phone calls, threats and abusive behavior stops, 5- This case has been initiated and subsequently was closed after years of such behavior as explained above. Any further harassment should cease and desist immediately.

a new complaint was started by American Express about the same issue on XX/XX/XXXX almost 11 years after it was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info

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 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
XX/XX/XXXX Disputed Transaction ( s ) : Transaction Description Merchant Description Transaction Disputed Date ( if available ) Amount Amount XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$450.00} {$450.00} XX/XX/XXXX MONEY ORDER XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$450.00} {$450.00} XX/XX/XXXX MONEY ORDER XX/XX/XXXX WU * XXXX CO WIRE TRANSFER {$500.00} {$500.00} There were several unauthorized charges made through WesternUnion. I have file claims with both WesternUnion and XXXX XXXX. WesternUnion says these charges were correct and authorized charges because the money was already picked up but i havent notice anything until next morning and thats when i had file fraud charges. I had to wait for Monday to file fraud for XXXX. XXXX will reverse the temp hold money they gave me because investigation in which WesternUnion has declined to my XXXX XXXX. Neither WesternUnion and XXXX has protected me in this fraud charges. I have several email detailing that someone had change my WesternUnion profile and have several emails saying some were declined and 3 were successful. Neither of these changes and charges were my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: DISCOVER BANK
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have this GAP Credit Card issued by Synchrony Bank. They closed my credit account because they said I am not using this credit card, I do not owe any money to this credit card, I did not have a reason to use it if I am not shopping in Gap. After they closed my account, they put the report on my credit report and the impact is that I lost over 50 points on 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 2021-02-01 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: MI

Complaint narrative:
Checking my report today I noticed that it was some inaccurate items & accounts on my report I never opened or gave my consent to anyone to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.

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 2021-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
{$200.00} USD was send to another account to receive a package an the package is yet to receive, by doing some checks I got to realize it's a scam so I reach out to the bank of America to recover my money for me. The money was sent to the account on the XXXX of XX/XX/2021.

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 2021-02-01 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 contacted Equifax on XX/XX/2021 about fraudulent information on my credit report and need to remove it immediately. The creditors who are reporting negative information have been using incorrect names as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have provided proof that the use of these names has been used in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: MI

Complaint narrative:
Checked my account today I noticed some accounts that Im not aware of some inquiries too I never gave anyone my consent to do this and I dont understand how this could happen. 

Dept of Ed all accounts 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 explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not heard back from Experian in over 30 days since my formal written notice of dispute dated XX/XX/2020 ( copies enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.

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 2021-02-01 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: MI

Complaint narrative:
Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
In XXXX of XXXX I moved into a home leased by XXXX XXXX XXXX XXXX XXXX. When I moved into the home I experienced several issues. There was no hot water heater and numerous plumbing issues, causing the home to constantly have water flooding. I sent multiple complaints to the property management company without it being resolved. I move out of the home 2 months later due to inhabitable conditions for me and my XX/XX/XXXXsmall children. Hunter Warfield added a collection to my account in the sum of {$12000.00}. I have disputed this inaccurate information multiple times without resolution. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX about this account and the balance. I explained the inhabitable conditions to her and it was also agreed that because of Texas Property Code 91.006, I can not be charged for rent amounts after a property is leased to a new tenant. I was informed that the balance should not be the $ XXXX that is reporting and was given a significantly lower balance of {$3900.00}.

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have had navy federal for 5 years maybe longer they still have my account open but I cant do nothing because uI deposit a check that someone purchase an item from me and it was fraudulent I had no intention the check was fraud so they have my account on block snd I cant even open another account because Im in XXXX XXXX I dont owe any money I didnt recieve any money off check I just deposit it so Im not understanding why would I be ban I need answer and question I think the lady at branch was judging me because Im XXXX.I need help I would like to continue to bank with navy federal I didnt know I was being fraud we cant people trying to fraud us I wish I could have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2021 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Our mortgage was serviced by Loancare on behalf of XXXX who purchased our loan. We paid off the mortgage in full in XXXX of XXXX. We received a loan payoff notice on XX/XX/XXXX from Loancare acknowledging that they would " forward the satisfaction/release of mortgage to the courthouse for proper removal of the lien ''. To date, they have not done so. It is now XX/XX/XXXX. This is in excess of 18 months. 
We spent the last year and a half attempting to get our stock certificate returned to us to no avail. Loancare would not admit they were not in possession of it and we had to explain on end for hours how a cooperative building worked and that we needed our stock certificate or an affidavit to be provided stating that they were not in possession of ( lost ) it. After having multiple tickets opened up that led nowhere, we finally got the CFPB involved and that deficiency was resolved. 
I am hoping the CFPB can help us again this time as we have tried numerous times to get our lien removed since we resolved the last issue, but it looks like XXXX no longer has record of our account with them ( we've been paid off for over a year and a half now ). We are selling the apartment, but are once again being held hostage because Loancare 's gross incompetence in following through on procedures is preventing us from having a clean title.

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 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account is was frozen after receiving a transfer of XXXX dollars from a linked bank account the bank sent me an email asking for some information that I provided a few days later such bank received my information on a Tuesday but in the meantime I had call to such bank on Monday a day prior to me providing the information asked for the reason why was i not able to use my debit card they didn't have an answer only thing I was told was i can't see any reason but someone will call you within 3 to 5 day with that being said Friday out of the same week 4 days later I reached out to the bank with hopes of having my account reinstated but the only response I get is that my account is still frozen for an unknown reason that I would have to talk to an specific department that was not available at the time then I asked for my account to be closed they said to talk to that specific department to have my account close i said well you guys have deprived me from my money for 8 days now now I demand my account closed I want to cut all laces between me and this bank right this second I don't want to here from this bank anymore I don't consent this bank to use any of my personal information for any reason I don't authorize this bank to call email me for any reason then the associate closed the chat 2 to 3 min later with the excuse that I didn't reply and I have all the transcript from the chat between the bank representative and me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
To Whom : I have an existing VA loan with Rocket Mortgage. Rocket Mortgage pulled a hard inquiry on my credit report without my consent, and is in process of closing a refinance mortgage without my consent, they have pulled a final payoff on my loan without my consent. I immediately placed a freeze on my credit report on all 3 bureaus. I will be contacting rocket mortgage fraud department in the morning to find out why. I am asking CFPB investigate Rocket Mortgage for illegal activity on my account. Thank you.

Company response to consumer: Closed with explanation