vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have violated 15 USC 1681b. Per 15 USC 1681 b- Permissible purposes of consumer reports ( a ) In general Subject to Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, the consumer, DOES NOT give XXXX  the consent to report anything on my consumer report. I have never given XXXX  the consent to report anything on my consumer report and to use or share my private information, particularly for financial gain, is in itself identity theft. XXXX  publishes information on my consumer report for a fee, financial gain, to those who are willing to pay for their services. Pursuant to the statue listed above, it is my written instruction to you to delete the listed accounts below from my credit report. 
You have also violated 15 USC 1681a ( d ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2021-03-23 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: MD

Complaint narrative:
I have Disputed this Account the XXXX XXXX Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX steel reporting information about this Account I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed

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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone stole my identity and used it to open bank accounts and credit cards this is so frustrating 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 explanation
Consumer complaint received 2021-03-23 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: NY

Complaint narrative:
Someone stole my identity and used it to open bank accounts and credit cards this is so frustrating please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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:
This complaint comes forward as I am a victim of Identity Theft due to a data breach, I have tried to reach out to XXXX in regards to a dispute and the fraudulent accounts and benefits on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: The Bureaus, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT NUMBER : XXXX 2. XXXX XXXX ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : 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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
This refinance process with Flagstar Bank started at the end of XX/XX/2020. I have been an owner for 34 years and have refinanced several times in the past. This current process with Flagstar Bank has been very long and tiring to say the least. My wife and I are XXXX and feel we are being overly scrutinized with our credit history. We feel discriminated against. We have been asked by the bank to submit photo ID which we understand may be proper protocol. However, once this was done it appears to us that the refinance became much more difficult to obtain. We were asked twice by the underwriting agent and loan officer to submit to a conference call with a third party company XXXX to check our credit history with various institutions. We have been asked for a ton of paperwork which has all been submitted and recently the bank is now asking for where my deposits came from. We would like for the bank to treat us fairly it has been nearly 3 months and they are still asking 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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: AL

Complaint narrative:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for. 

A calculation of this balance, including the complete payment history for each account. 

Documentation for each account showing proof that I agreed to pay this debt. 

An Agreement for each account that grants the company the authority to collect debt. 

An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

Fraudulent Account for {$85.00} Fraudulent Account for {$100.00} Fraudulent Account for {$100.00} Fraudulent Account for {$59.00} Fraudulent Account for {$140.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, XXXX, and XXXX and have them to remove these incorrect accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: IL

Complaint narrative:
I DISPUTED THE FOLLOWING ACCOUNTS ON XX/XX/2021 ISSUE HAS NOT BEEN RESOLVED. THESE ACCOUNTS ARE NOT MINE. 

1.XXXX ACCOUNT XXXX : XXXX 2. OPPITY FIN ACCOUNT NUMBER : XXXX 3. XXXX ACCOUNT NUMBER : XXXX 4.XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In 2017, XXXX leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the XXXX Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for, A calculation of this balance, including the complete payment history for each account, Documentation for each account showing proof that I agreed to pay this debt, An Agreement for each account that grants the company the authority to collect debt, An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

XXXX XXXX {$57.00} AD XXXX XXXX {$580.00} XXXX XXXX {$100.00} XXXX XXXX {$59.00} XXXX XXXX {$140.00} XXXX XXXX {$85.00} XXXX XXXX {$100.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$910.00} Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact Transunion, XXXX, and XXXX and have them to remove these incorrect accounts from 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 2021-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am struggling to make payments on my vehicle since loosing my job because of the pandemic. Ive been reaching out to the company, Ally. They arent willing to continue helping. They expressed if I make 2 consecutive payments I would qualify. Ive exhausted borrowing money ( that is impossible to repay ) from family. Its depressing and embarrassing to be in this position. Many ways people are being helped during this time, owning and repaying vehicle isnt one thats has been addressed for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED LAST XX/XX/2021 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 61 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/XXXX To whom it may concern In XXXX, Equifax leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting accounts that are a direct result of the Equifax Security Breach, which makes your company just as responsible for damaging my credit and mental health. Your organization has failed to provide me proper legal documentation as stated in the Fair Credit Reporting Act which I have requested on, this is my second attempt for removal. The information you should have provided me should have included the following : An explanation of what each alleged account balance is for, A calculation of this balance, including the complete payment history for each account, Documentation for each account showing proof that I agreed to pay this debt, An Agreement for each account that grants the company the authority to collect debt, An updated copy of the state license for each company, including the license number. 



I would like to also mention I have kept all legal documentation such as verification of previous letters I have sent you, proof that the following accounts do not belong to me, proof that XXXX  breached my data, as well as doctor letter from my doctor stating that this situation has caused me a great  deal of stress. 



Your company is currently reporting fraudulent accounts to my credit file, remove these accounts from my credit file. 

XXXXXXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX {$580.00} XXXX XXXX {$230.00} XXXX XXXX {$200.00} XXXX XXXX {$130.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$100.00} XXXX  {$85.00} XXXX {$59.00} XXXX XXXX {$57.00} XXXX  XXXX XXXX XXXX XXXX XXXX Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Please contact XXXX, Equifax, and XXXX  and have them to remove these incorrect accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Sir, I am XXXX years old and a Veteran. For the last several years I have paid ALL of my bills with the Bank 's ( XXXX XXXX XXXX ) " Auto Pay '' system. I have always set the Auto Pay at 2 to 3 times larger than the minimum amount of the bill. Recently I notice that one of my two bank credit cards had 5 fraud charges on it. This card has never been out of my possession. I confronted my Bank and they checked and found that all XXXX charges were frauds. They said they would retrieve my money from 4 of the 5 fraud charges. However, they told me that because I didn't spot them giving my money away for 85 days on the 5th fraud that they would not do anything about it. They said that it was their policy to not do anything about a fraud that was over 85 days old. So I changed Banks to XXXX XXXX XXXX. I paid off the balance on both credit cars from XXXX  XXXX XXXX. 
I tried to get one credit card from the new bank. They turned me down saying that Equifax had told them that I had " Multiple Seriously Delinquent Accounts '' so I contacted Equifax to see this report and got no response in a couple of weeks. So I called them and they sent a report to me in a week but two reports arrived on the same day. In the report was only one company claiming past due payments. ( $ 60+ ). This company was XXXX XXXX. I had canceled their service due to them changing my phone service several times without my approval so I talked to an attorney and he advised me to pay with a check, not a credit card, and to write on the check " Paid in Full '' after their agent at their outlet store told me the total of my bill as I cancel the service.. This $ 60+ bill was put on my account AFTER I had canceled the service and paid it in full. I have sent letters to Equifax about this and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I was contact by I.C. System about a debt that they claim I owed them. I ask for debt validation but they instead send me a letter with offensive language. I sent them a Affidavit of Truth stating to them that they had violated laws under 15 USC 1692. The violations committed were 15 USC 1692b ( 5 ), 15 USC 1692d ( 2 ), 15 USC 1692b ( 2 ), and 15 USC1692g. I have also attach proof of these 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