vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: MI

Complaint narrative:
Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. XXXX XXXX  XXXX XXXX is attempting to collect a debt on behalf of FLAGSHIP CREDIT ACCEPT. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only XXXX XXXX  XXXX XXXX responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to 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 2021-12-06 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: PA

Complaint narrative:
This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

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 2021-12-06 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: PA

Complaint narrative:
This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I sent validation letters to Mid South Adjustments asking for the original contract bearing my signature. I was told to send in my Drivers License so they can see if the signatures match. I refused because of Identity Theft and was afraid that they would just say that the signatures match. XXXX XXXX ended up sending the Contract. The signatures DOES NOT match. The dates does not match the lease. The lease states I moved in on the XXXX of XX/XX/2014 but Mid South Adjustments XXXX XXXX XXXX contract ) states on XXXX I submitted a new service application. so that means I would have went without water services for over a year. Also you will see in the Drivers License # section is blank. I would think that I would know my Drivers License number. Everything that Im stating will be highlighted in the attachments along with my filing of a FTC Report I ask for Mid South Adjustment to remove and delete this account from my credit profile. Immediately There are to many inaccuracies. PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I started refinance process with Caliber Home Loans. They quoted 30-45 day time frame from start to close. Today is day XXXX. They have strung me along requesting more and more documents that could have been asked for from the beginning. I have promptly provided documentation each time. At this point I am curious if I have any legal leverage against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: WI

Complaint narrative:
XX/XX/21 - Approximately XXXX, I walked into Tesla Motors located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a consumer credit transaction with regards to a new Tesla . Everything was going fine until I was required to pay a reservation fee of {$250.00}. I reluctantly paid the reservation only to proceed to the finance portion. Tesla had a loan option but a consumer credit transaction option. As I reluctantly went through loan process, I gave Tesla my social security number which is a credit card number under 15 USC 1602 ( l ) to pay for the vehicle. My application was denied. I was confused and embarrassed because I know that I am the original creditor and I am the one who is extending credit to Tesla so how can they deny me? Why did they deny me? I tried to the finance department but the only person that I was able XXXX from XXXX in the sales department. After a couple conversations trying to get some answers, I received an email from XXXX XXXX at XXXX which stated that my application was denied due a low XXXX  score and delinquency on my account. They literally waited until the office closed on the west coast to send the information I was looking for. Ive tried to reach out to XXXX XXXX via telephone but I am getting no response. 
Tesla Motors actions were in direct violation of the Truth In Lending Act and other federal laws : 1 ) Running my credit card and denying my right to credit 15 USC 1602 ( f ) 2 ) I am the Original Creditor, I am not a borrower per federal law. I am the person extending credit to Tesla 15 USC 1602 ( g ). Neither Tesla nor their banking partners have the power to loan money under 12 USC 1431. They are the borrowers per 12 USC 1431 3 ) When applying for credit, there was no disclosure section speaking to a finance charge which is in direct violation of 15 USC 1632a, 15 USC 1632b, and 15 USC 1637a ( 1 through 8 ) 4 ) Shopped around my credit application without my knowledge or permission which left 5 different inquiries on consumer credit report. These actions are in violation 18 USC 1028A. 

XX/XX/21 - I tried to get in touch with XXXX XXXX again but no response or call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
XXXX Called customer service regarding {$59.00} annual fee. Requested that the fee be credited back to my account. 
The woman I spoke to claimed to be a manager and told me that she was unable to help but if I wanted to close my account, she would be happy to close it for me. She said that is something she would be happy to do - PULL THE AUDIO!!! i XXXX am Eastern time zone on XXXX. 
I have been a GREAT customer for years! Probably alot longer than this rude woman has been employed there. There is no way to submit a complaint thru Capital One so I decided to contact cfpb. Capital One should know that this manager is rude and driving their customers away and challenging customers to cancel their Capital One credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 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: Kikoff Inc.
State: PA

Complaint narrative:
I recently looked at my credit report a noticed an account that was reporting inaccurate i sent multiple emails and letters to the credit bureaus and creditor stating the inaccuracies. and from my knowledge everything on your credit report is suppose to report accurate. If a payment is late more than 30 day the reporting should be the month and late however many days for the correct reporting should say XXXX late 30, XXXX late 60 days, XXXX late 90 days. The account on my report say on time every month and then XXXX late 90 days. I also ask for proof of my payment history from the creditor and it says paid on all due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft 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 2021-12-06 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: CA

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

Ad XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous PR reporting on my Credit Report : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2014

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 2021-12-06 00:00:00
Product: Debt collection — Medical 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: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX I called I.C. System to pay this account I asked the representative if they can please send me a copy of the report specify where all this charges come from and the representative told me its been a very long time for this account to be opened and this account has been sold and I shouldnt be asking any type of questions I should just be paying for this account and I tried to speak but the representative didnt let me they continue talking and stated they were going to take me to court and that they were going to send somebody to arrest me and take everything away from 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 2021-12-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). Experian, XXXX and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account numberXXXX Closed ) while XXXX reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. I have attached Experian and XXXX reports to show the discrepancies.

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 2021-12-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account XXXX ( XXXX ) list on my credit report has been cancelled. The bank issued a 1099C form and the account has been filed as EARNED INCOME. Since the account has been filed with the IRS the account status is now earned income, INCOME IS NOT REPORTED ON CREDIT PROFILES. PLEASE DELETE IMMEDIATLEY. This is a violation of 15 U.S Code 1681e compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If this account is not deleted immediately, I will take legal action for negligent and willful noncompliance with the law. I am not a credit report company and this matter is not " frivolous '' or " irrelevant '', in fact I can assure you that I no way do I or my legal team consider a matter of such importance as " frivolous '' or " irrelevant ''

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 2021-12-06 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried removing a Citi bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now XXXX attempts through XXXX as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact 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 non-monetary relief
Consumer complaint received 2021-12-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to 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 non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 I received a notification that a wire transfer of {$10000.00} was debited from my account. I had not authorized the transfer and immediately called Chase Bank 's fraud department to report the unauthorized transaction. I was given a case number after about XXXX hours on the phone with them and instructed that an affidavit would be send to my home address for me to sign. Uneasy about the uncertainty of the phone call, I called back a few hours later. I learned that the previous person I had dealt with had not correctly placed the report and the case number previously given was actually the SWIFT transaction number, not a case number. I was told a new case had correctly been opened and I should expect an affidavit in the mail. 

Having received nothing in the mail, I called Chase 's fraud department again on XX/XX/2021 for an update to my case. The individual on the phone mentioned they had not received a signed affidavit from me for the case so no further progress had been made. I let them know I had never received one in the mail, they also mentioned they had no tracking number for the original affidavit that had been mailed. I asked that another be mailed to me so I might get this resolved quicker. 

I still have not received an affidavit in the mail to sign and Chase has made no effort to contact me regarding my case. I am deeply troubled that I have been without over $ XXXX for almost a month now and Chase has been dragging their feet in resolving my case.

Company response to consumer: Closed with monetary relief