vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: TN

Complaint narrative:
Inaccurate Information is reported under late payments with the company XXXX and a new account was open that's is not mine Name XXXX. 

Some of the late payments reported was during XXXX XXXX late payments should be removed from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
experian is reporting a hard inquiry for XXXX, that is plain as day that its not mine, on XXXX XXXX it make no sense whatsoever why that inquiry would appear unless it was an attempt at fraud.

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 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX  we didn't get it XXXX  doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they XXXX  can't confirm my identity XXXX to get away with taking no actions on my credit report. Please investigate this 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 2021-07-15 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: VA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX we didn't get it XXXX doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX, upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CO

Complaint narrative:
2021 XX/XX/XXXX Prepaid MasterCard was declined during an attempted purchase at a grocery store ( XXXX # XXXX in the amount of {$60.00} ). Available balance should have been {$13000.00} at this time. However, account is blocked, so I am unable to check my balance. 

2021 XX/XX/XXXX Received a voicemail concerning my prepaid MasterCard and a transaction attempted that they wanted to verify with me, and requested that I call the number on the back of the card. However, they have failed to answer my numerous telephone calls. 

2021 XX/XX/XXXX Mailed a letter to Netspend, Customer Service, XXXX. XXXX XXXX, XXXX, TX XXXX. Failed to receive a reply. Unable to contact a customer service representative. 

XXXX  XX/XX/XXXX Mailed two more letters, one to Netspend and one to Skylight ( another name on my paperwork, but with the same address ). Certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX  XX/XX/XXXX Mailed two more notarized letters, certified mail tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXXXX/XX/XXXX XXXX to XXXX XXXX XXXX, XXXX, TX in an attempt to meet a customer service representative in person. " XXXX '' was listed in the building registry in XXXX XXXX, but not " Netspend ''. XXXX XXXX was empty, the lights were off, the door was locked, and there was no answer at the door. The security officer informed me that Netspend had vacated the building about a year ago, and Netspend refuses to share their new location.

I contacted the FDIC, who directed me to file a complaint with the Consumer Financial Protection Bureau ( here ). Also from my conversation with the FDIC, the relevant banking institution may be 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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit and Receivables Services Inc.
State: OH

Complaint narrative:
No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i XXXX. The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX i XXXX The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: TN

Complaint narrative:
Applied for cash out- refinance loan on XX/XX/21. I wanted to take out approximately {$40000.00} in equity and refinance my current note to a 15 year term. Prior to formal application, I spoke with the loan originator for XXXX XXXX on XX/XX/21, to explain the particulars of the loan request. I have an underage minor listed on my deed. I asked if the XXXX XXXX, if in fact they could complete the transaction with the underage minor on the deed. The loan originator spoke with his XXXX. The XXXX informed the originator that XXXX XXXX could in fact move forward with financing and that XXXX XXXX would be XXXX creative XXXX in completing the transaction with the minor on title. To date, an appraisal was completed on the property on XX/XX/21. On XX/XX/21, I received a text from the loan originator was informed that I would need to remove the minor from title before the loan could proceed to closing. Further as a result of the hard pull of my credit, my current XXXX XXXX has decreased and I now have a poor credit rating. So in addition to false representation of services, I am out an appraisal fee of {$520.00} and a low XXXX XXXX. Finally, I am in a majority minority community the XXXX low balled the value of my property and when I notified XXXX XXXX of such there was no response.

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 2021-07-15 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: SunTx Capital Partners
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Untimely response
Consumer complaint received 2021-07-15 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:
XXXX XXXX XXXX, {$8300.00} XXXX 
XXXX XXXX  XXXX, {$1700.00} XX/XX/XXXX. 
XXXX XXXX XXXX, {$0.00} XX/XX/XXXX I have reached out to these creditors and tried to get this worked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I made a settlement arrangement through the courts with Paypal Synchrony Bank. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.

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 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Re : MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX AL XXXX ( XXXX ) XXXX This is a Medical bill that originated from XXXX XXXX. Originally sold to XXXX XXXX. I made an arrangement with the creditor and was advised when loan payed off it would be deleted. Payment arrangement was auto debit {$75.00} from my account. Last year, the account was deleted from my report. Assuming it was paid, I felt my account was in good standings and was satisfied. Today I receive an alert, this collector XXXX XXXX has reported me past due. No 30 day written letter was sent advising me my account was seriously past due. I didnt even know who they were until today. When I called collector was verbally abusive saying well we sent a letter saying it a payment would be drafted. I responded do u know how many autodebits I have, thats not saying Im late. They advised we called, when I asked for the number it was my old number. So at this point, Im nothing has been sent saying I owe you. They go well if u had looked at the letter youd see the balance was the same. I said actually no, I didnt see that, when I get my bills if doesnt read disconnect service or adverse action letter credit reporting warning 30 days I disregard. So I asked did you send me a letter stating the account was past due. They said no. I said did you send me a 30 day letter of credit reporting per FCRA, they said no. I said well how the heck was I supposed to know I owed you money. She stated you should keep better track of your bank account and youd know it didnt draft. I advised her if the card on file is not valid it will not reject therefore I wouldnt be aware that there is an issue. Moreover, I didnt even know they had my account or what it was in reference to, I just knew I had multiple medical bills from my accident and assumed it was valid. 
Now my credit has a derogatory mark that I discovered not from creditor but through my credit alerts. My FICO credit was at XXXX its now XXXX point reduction. Had I known about this past due, i would have paid it before it hit affected my credit. I wasnt given the opportunity and they refuse to remove or give me 30 days to rectify. They kept patronizing me saying its been 3 years. I advised them a payment plan is not unusual for medical bills but I cant pay on something I dont know is outstanding. No payment rejected in my account, no past due letter is sent, and finding out from the credit bureau when all they had to do was send me a letter is unacceptable. 
Please investigate their poor collection practices. I need this removed off my credit file immediately.

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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
Never got a letter or anything just checked my credit and there this Jeffcapsys for XXXX XXXX is for {$930.00} on a debt that I have never had. I talked to XXXX the account was opened when I was XXXX. Ive been u see my parents cell phone threw XXXX  my entire life : I have tried removing this but Jeffcapsys person on the phone says too bad pay or we will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: AR

Complaint narrative:
XXXX XXXX XXXX has reached out to me threatening to take me to court and such for a past due collection. i was going to pay the amount due in full when i realized theres no formal way to submit my information. i do not feel comfortable providing my banking information via email as the company requested. after doing my research, i learned that XXXX XXXX XXXX is a collection scam. they have threatens other in the state of Washington ( and probably everywhere else ) with 1. ) Violation of federal banking 2. ) Collateral check fraud 3. ) Theft by deception. i am now concerned about what to do from here on. i have requested verification of the person requesting my informations legitimate and legal licensing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vanguard Financial Services, Inc.
State: OH

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief