vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
I am having issues with disputing a fraudulent account that was opened in my name. This is my second time reaching out to the CFPB as my issue was never resolved. An account was fraudulently opened in my name in XXXX. This account was opened using a Variation of my Legal name and not my XXXX XXXX. Yet XXXX one refuses to investigate or remove this account from my ownership. I have filed a police report, XXXX of XXXX theft, and multiple disputes with the bank itself but XXXX XXXX still responds via mail stating that they have conducted an investigation and are attaching the evidence. The evidence they attach is the monthly statements from the fraudulent account opened using a variation of my name. The account was opened using the name XXXX XXXX. That is not my Legal Name, my Legal Name is XXXX XXXX XXXX. They refuse to acknowledge that this case is fraud and will not budge. I need assistance in having this account removed from my records. I had an XXXX XXXX XXXX from XXXX when this credit card account and another credit card with XXXX bank were opened in my name. XXXX bank completed an investigation and confirmed that I did not open the account. I am not sure why XXXX XXXX thinks that the account transactions of a fraudulent card serve as proof of ownership but they do not. I can prove I was working as a XXXX XXXX  XXXX XXXX during the times of all the transactions they are claiming are mine. They refuse to reopen the case. I have contacted them most recently as XX/XX/XXXX, where I spoke to an representive named XXXX ( XXXX ID : XXXX ). He stated that they will not reopen an investigation into this case. When I asked to speak to his XXXX, he stated that he doesn't have a manger and that he is the end line of communication for me. He stated the investigation is complete and that they can not reopen the dispute due to the Fair Credit Reporting Act not allowing them to. This does not make any sense to me. Please assist me with resolving this matter. Acct number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
ENHANCED RECOVERY CO L IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND ENHANCED RECOVERY CO L IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. ENHANCED RECOVERY CO L is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I mail a letter to Experian, XXXX, and XXXX asking validation of XXXX FIN account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Experian, XXXX, and XXXX have been report inaccurate information to my consumer report which have cause a hardship in my obtaining a vehicle.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX DEPARTMENT ALL IGNORING WRITTEN COMPLAINTS AND REQUESTS FOR LEGITIMATE ASSISTANCE IN CORRECTING MANY GROSS ERRORS RESULTING IN $ XXXX LOSS IN MY ATTEMPTS TO OBTAIN CREDIT. I NEED CFPB TO PLEASE ASSIST IN GETTING IN TOUCH WITH A REAL PERSON WHO CAN ACTUALLY HELP RESOLVE MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by XXXX me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXXXXXX XXXX. XXXX, 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 non-monetary relief
Consumer complaint received 2022-03-25 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: FL

Complaint narrative:
I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX  fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, 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 non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: GA

Complaint narrative:
I XXXX XXXX was a victim of identity thief and therefore these collections were placed on my credit file fraudulently. 

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
There is a long list of complaints with CFPB I have submitted about this case. 
They keep calling!! 
SEE ATTACHMENT SECTION for explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery solutions has bought and sold an XXXX XXXXXXXX credit card debt that I received after XXXX over XXXX years ago. They call several times a day and switch their numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter and they call me a lier I would like these hard Inquiries removed from my credit I sent letters and No one did any investigation XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-03-25 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, swear under the penalty of perjury the complaint I am filing is true and correct. 
Early Warning has broken the law, specifically section 605B subsection C of the FCRA. 
I am including letters from Early Warning stating they blocked, and then rescinded the block, never by the law. Early Warning has the police report that is certified and notarized as fact that I never had access to the external accounts attached to the XXXX account they are blocking and then rescinding numerous times. 
Subsection C in 605B of the FCRA states that a XXXX can decline or rescind a block levied in subsection A in 605B of the FCRA. C states there are XXXX very specific reasons and criteria that MUST be met and stated as being met to decline or rescind a block.

1. In error 2. A material misstatement of fact 3. Proof the consumer obtained goods or services from the account requested to be blocked in subsection A.

If no proof of any of these 3 criteria happened or proved to happen, no block can be denied or rescinded.

Early Warning rescinded a block without any of these 3 reasons being met. Clearly breaking the law numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : Late Close : XXXX XXXX Balance : {$150.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX on my report that I never purchased. I disputed it with TransUnion. TransUnion is claiming that this infinity is mine I dont believe they did any investigation like check what bank was getting the payment who is the insurance carrier.

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 2022-03-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a loan for {$1100.00} on XX/XX/XXXX. I made XXXX payments. Two payments on XX/XX/XXXX for {$830.00} and {$110.00} and {$110.00} on the XXXX of XXXX. Their system has a glitch and took a full payment of {$110.00} even though I only owed {$100.00}. I called them 3 times. The last person I spoke to said they would take up to 8 weeks to refund me. I spoke to XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
To Whom it May Concern : On XX/XX/2022 ; I submitted a request for a balance transfer to pay off most of my Comenity BankXXXX XXXX Credit Card account to a new credit card account at my personal bank. 

On XX/XX/2022 ; at XXXXXXXX XXXX  I received a phone call from XXXX at the Comenity BankXXXX XXXX Card call center . She was attempting to collect a payment that I had missed on my account. I explained to her that I submitted a request to pay my balance off on the 1st. She interrupted me and stated they DO NOT TAKE credit card payments. And, went on to say that I needed to make payment arrangements or my account would go into collections. 

I agreed to automatic monthly payments for the next 6 months, under the assumption that my balance transfer was denied by ComenityXXXX XXXX XXXX 

On XX/XX/2022 ; my bank paid {$1600.00} towards my balance with ComenityXXXX XXXX XXXX XXXX In addition, Comenity took {$250.00} out of my bank account in XXXX and another {$160.00} in XXXX. When I called them to talk about this issue, they hung up on me. 

My complaint is in the fact that they lied to me about not accepting credit card payments and double/ triple dipped into my account. I am livid and want someone to be held accountable for this misappropriation of my money. 

Please advise my rights and what options I have. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
My wife and I were in the XXXX forbearance program with Caliber Home Loans, before the XXXXmonths, we were informed by Caliber to apply for a loan mitigation modification. We applied and were approved however Caliber has admitted to not sending the documents to us that we need to sign to begin the modified payments. Caliber informed us not to make any payments until we received the documents and Caliber admits that their underwriter has not sent the documents. Now, Caliber states that since we did not return the documents ( which Caliber never sent ) that we need to reapply and Caliber has now started sending intent to foreclose notices. Caliber informs us each time we call to " ignore '' the foreclosure notices because they are simply auto-generated however Caliber is sending conflicting messages regarding our mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation