vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-12-06 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: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, AD ASTRA RECOVERY SERV is reporting that I have a collection with them, and I have never been in communication with this company. They were notified to validate this debt that is reporting on my credit report, but they have failed to do so. I will include the letter as well as the time stamp. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that they've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, they are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Please conduct a proper investigation and remove this account. Also include a contract bearing my personal signature. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I scheduled a payment to be made on XX/XX/2022. But it was credited only today even though the status is shown as processed on their website BANK OF AMERICA - PERSONAL CARD BankAmericard Power Rewards Vi XXXX {$300.00} XXXX XXXX XXXX XXXX Processed XXXX # XXXX ========================== Collapse transaction for Transaction date : XX/XX/2022 BA ELECTRONIC PAYMENT XX/XX/2022 Collapse transaction for Transaction date : XX/XX/2022 BA ELECTRONIC PAYMENT Transaction date : XX/XX/2022 Card type : XXXX Transaction type : Payments Reference number : XXXX Merchant Name : get more information about merchant name change BA ELECTRONIC PAYMENT Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Purchase : N Type Payment - {$300.00} {$8500.00}

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 2022-12-06 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$440.00} written o XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Collection account. {$1100.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 

FCRA violations : not my names 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 explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2014 my identity was stolen. Since then I have been trying to recover from the identity theft. I recently found out there is multiple credit cards, loans, car loans, and bank accounts in my name. I have filed a report with the XXXX XXXX XXXX XXXX XXXX case # XXXX for identity theft. They recently advised me that they do have a suspect that is using my identity. I did not give permission for this person to open up accounts, use my name, use my date of birth, and social security number. I would like my credit report to be cleared from those debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Company was sent affidavit and didn't respond line by line to the questions. They had thirty days to answer the affidavit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The statue allows for multiple reinvestigation. Following three accounts are not accurate and complete.

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 2022-12-06 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: FL

Complaint narrative:
15 U.S.C. 1681s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information Is inaccurate. 


( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company has failed numerous times to validate this debt and present a legal contract between me and them with my wet signature. I have never been in a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JFQ Lending, LLC
State: NJ

Complaint narrative:
I have started to work on my Home equity loan with JFQ lending on XX/XX/22. We locked the rates at XXXX XXXX adjustable Home equity loan. I have submitted all required documents within few day and was assured by my loan officer XXXX XXXX that everything is fine and loan will be closed. My middle credit score XXXX was used for application process. I have some balance on my credit cards that I was able to pay once we started the process and I have sent all proof documentation to my loan officer. I have signed loan disclosure online. Disclosure was removed later from my online cabinet by JFQ lending but I have emails where my loan officer requesting me to sign a disclosure. 
Few days after signing in disclosure I have received another email that stated that we are under final underwriting. How ever JFQ lending had disappeared from that point. I try to reach then through phone or email. In a few weeks I got a phone call from XXXX XXXX where he told me that process is taking time but everything is fine. Then JFQ lending disappeared again. After some times I received a call from another person JFQ lending who stated that he is XXXX XXXX supervisor. He said that rates unfortunately went up and offer me to close at XXXX XXXX on the smaller amount of money. I responded that its they responsibility to provide me a loan at the rates that we locked but didn't get any sense from that conversation. 
XX/XX/22 I received an email from JFQ where they state that they still work on my loan and assigned me a new loan officer XXXX. After conversation with XXXX I was told that JFQ lending still working on my loan and my loan should get closed within XXXX weeks. 
How ever a few weeks later I received a call from XXXX. He told me again that rates went up and offer me XXXX XXXX to close. I was told otherwise my loan will get denied and rates already expired. I refused to go with higher rates and ask for denial letter with a reason for denial. Denial letter stated that I have an insufficient income even though the amount of loan was based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My credit card company, Bank of America, has charged me for {$1400.00} for XXXX separate charges made against the card for food deliveries from XXXX and XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX of this year. I reported the fraudulent charges to Bank of America on XX/XX/XXXX, and Bank of America denied my claim by letter dated XX/XX/XXXX. I called the bank 's fraud claims department last week, and they confirmed both the date of my report and their denial of my claim. 

The Bank 's stated reason for denying my claim is that the claim was not made in a timely way, because prior to XX/XX/XXXX ( 1 ) statements covering these fraudulent charges were mailed to my home address, and ( 2 ) payments were made on this credit card account. It is true that payments have been timely made on this account. It is not the case that statements were mailed to my above address, though I do have access to online statements.

After speaking to the Bank, I called your office. Your representative confirmed the general rule that I have up to 60 days after you send a statement to bring a timely complaint concerning unauthorized transactions. She also informed me that a complaint brought after the 60-day window is still timely, unless the Bank can show that the fraudulent transactions would not have occurred if Id made my claim within the 60 day window. I asked specifically if there is an exception to this rule if I have received a statement detailing the fraudulent charges or pay the amount due on the statement before filing a claim with you. Your representative assured me, there is no such exception.

Most of the fraudulent charges referenced above were contained on a statement that was first made available to me within the 60-day period ending on XX/XX/XXXX. The Bank has provided me with no indication that it might have avoided any of these charges if Id informed them within 60 days of the date of the first statement containing these charges. Indeed, I would have had to inform the Bank of this fraud prior to XX/XX/XXXX, the last date of these charges, for it to have cancelled my credit card or have taken any other action to avoid these charges. 

I have provided the Bank with proof that neither XXXX or XXXX XXXX  will deliver to our address.

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 monetary relief