vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-25 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: NC

Complaint narrative:
It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate secondary request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit and my account has zero inquiries. Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HI Bank of America ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After inspection of m y credit report, I noticed that there are names and addresses on my report and I do not live there nor use the names being reported. I do not have access to these addresses and names and I would like to prevent identity theft. I do not want any mail that has my personal information to be given to individuals I do not know. Please help me prevent identity fraud 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 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have mailed Equifax a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Equifax a letter stating pursuant to 15 USC 1681b that I have given no such consent for Equifax to host the alledged debt on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX of 2021 XXXX XXXX started showing as past due on Transunion and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called XXXX XXXX who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, XXXX XXXX stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called XXXX XXXX again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have mailed XXXX a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent XXXX a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt on my Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dispute Case Number CapitalOne : XXXX XXXX XXXX XXXX XXXX I have subscribed to a XXXX Marketing Managed Service for my XXXX XXXX XXXX XXXX XXXX XXXX worth {$2800.00} it was an initial 3 months contract, where they were supposed to manage my store starting from testing XXXX products a month to a lot of listed services. They failed to provide me the service and they continued the subscription for free for some time, however, I was paying for all the operational expenses thinking it will get sorted, however, they were lazy and lack of strategies and I was losing money. I reported to CapitalOne. I have provided them communications, subscription details as given on his websites, including a Second Opinion where it clearly indicated that XXXX XXXX XXXX is at fault. According to CapitalOne Dispute Team Member : XXXX ( ID : XXXX ) XXXX is not looking into my dispute seriously nor reviewing my case properly and CapitalOne is just a middleman here. For the past couple of months, I have been running back and forth, I also shared communication where the XXXX XXXX XXXX XXXX literally threatened me to block me and made me a laughing stock that they are winning the case. I even contacted XXXX even they are just throwing me back to CapitalOne. I need your help so that my supporting documents are reviewed properly and I want my money back. If the merchant was willing to negotiate and change the account manager I would have worked with them or even coordinated a proper refund I do not have any problem, but here neither CapitalOne/XXXX gave the effort to review all my documents. They have a standard list of documents that may not be available in all cases. I need your help here to address this matter as a customer. I appreciate totally that CapitalOne accepted my dispute beyond the 90 day period but after taking the case, they are not even reviewing my case, they use some kind of AI technology to review my dispute for sure, or else this case is very strong in terms of pieces of evidence and supporting documents I have shared. I have never missed a single payment I always paid on time to CapitalOne, even the amount I am claiming was fully paid. I would not have claimed it if XXXX XXXX XXXX would have worked diligently as per the subscription that was agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
CREDENCE RESOURCE MANA You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
HI Bank of America ; Im confused and XXXX  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: NJ

Complaint narrative:
In XXXX of 2021 XXXX XXXX started showing as past due on XXXX and Equifax. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called XXXX XXXX who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, XXXX XXXX stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called XXXX XXXX again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: Colony Brands, Inc.
State: NJ

Complaint narrative:
In XXXX of 2021 Swiss Colony started showing as past due on XXXX and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called Swiss Colony who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, Swiss Colony stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called Swiss Colony again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
There was a fraudulent account ( secured card ) opened with USAA without my knowledge or authorization. USAA has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. USAA adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and USAA couldnt provide me with any evidence that shows I opened that account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I had a credit score of XXXX with Transunion. My score suddenly dropped XXXX points in one day for no apparent reason. Transunion has been unhelpful in providing a reason as to why, and immediately closed their investigation. According to the information I received, the other major credit bureau scores have not changed. I worked hard to earn a good credit score by making timely payments each month, and do not deserve to have an error damage my report. Please see attachments for more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: AK

Complaint narrative:
i bought a XXXXXXXX XXXX XXXX XXXX XXXX  in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but td retail card servies/td bank. they do not have a license to do business in alaska. i am also an XXXX  ( XXXX ). so there is elder abuse here.XXXX XXXX  has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603. XXXX XXXX told me that td bank does except credit and debt card payments. i have the recording from all of them. td bank and XXXX XXXX. i have the papers the i have kept. also td bank after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt 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 2022-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
I am unable to access my account, withdraw funds or have access to 1099-INT paperwork since the bank will not mail it or send it otherwise. I have a XXXX XXXX account offered through XXXX XXXX  XXXX I have switched from XXXX to another mobile provider and my phone number, which I had used to log in, no longer allows me to log into my account. I have called support and they have not been able to help. I called on XXXX XXXX spoke with a CS rep as well as a supervisor. Neither could help me reset my password or get into my account or get my tax documents. I was told I would receive a call on XXXX XXXX to resolve it, but I did not. I want the funds, the tax documents and I want to close this account and be done with them.

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