vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 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: OH

Complaint narrative:
On XX/XX/XXXX, someone stole my identity and used it to apply for credit with XXXX. The credit request was approved by XXXX for credit in the amount of {$5000.00}. XXXX failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, XXXX prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, XXXX relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with Experian to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted XXXX and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that XXXX will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, XXXX has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly XXXX has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report XXXX needs to " investigate '' the clear fraud. 

Further, the lack of due diligence by XXXX is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.

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 2022-02-21 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX 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 2022-02-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 2022-02-21 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violating my rights 15 USC 1681 section 602 A states I have a right to privacy and 15 USC 1604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX {$220.00}

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 non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: GA

Complaint narrative:
On XXXX XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX Equifax sent a letter stating that they had completed the investigation and the items were verified. 

On XXXX XXXX I faxed a letter that was received by Equifax ( see attached ) requesting based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information. I asked them to provide me with all of the information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 
I asked them to reply within 15 days or delete the negative items, as originally requested. 

They failed to replied within the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I wish to submit a complaint about eMoneyUSA, an online lending company. My specific complaints are as follows : 1- In XX/XX/XXXX, an unknown individual was able to take out a loan from eMoneyUSA using my name and SSN. When I obtained a copy of the application from eMoneyUSA, it did not appear that they had performed adequate due diligence to verify that individual was, in fact, me. The name he used was close to mine but spelled incorrectly. Some of the other details were correct ( like home address ). I did not see any signature on the application. 
2- When I found out about the loan, I filed a police report. I submitted a copy of that police report, as instructed, to eMoneyUSA, the collection agency they had engaged, and the credit reporting agencies. In spite of that, eMoneyUSA reactivated the collections process in XX/XX/XXXX, triggering another adverse entry on my credit reports and a drop in my credit score of XXXX points! I spent many hours correcting the issue AGAIN. I have not been given a satisfactory explanation as to why the collection process was reactivated. ( At first, eMoney said it was because I did not send them the police report back in XXXX, but I showed them the email trail and they conceded that I did! ) Given the circumstances, I am not at all confident that eMoneyUSA can/will ensure this doesnt happen again!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rock Creek Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX ( which owns Rock Creek Capital , LLC ) is trying to collect a phantom debt from former XXXX XXXX lessee 's that have returned their vehicles years ago and satisfied any remaining amounts owed. XXXX has not provided any record of missed payments or any of the other bogus charges they are claiming. I have been the victim of robo- calling and harassment with threats to my credit score for a debt I do not owe. I am one of many people and this has to stop the FTC and XXXX needs to put this company to an end of its bad practices because it's an abuse of people who have paid their bills. 
Amount disputed {$360.00} My weekly payments had to be paid otherwise XXXX XXXX would not have collected the vehicle and they took my {$250.00} deposit per the XXXX XXXX leasing agreement, my business with XXXX XXXX XXXX was satisfied 3 years ago. I do not owe anything to either of these scammer organizations and anything else is phantom debt. This should be a class action lawsuit at this point. 
My attached document is further proof that the alleged charges are false because they do not align with XXXX XXXX Lease agreement. Also Stated in my contract in Section 9 is that this is a lease that could be terminated early for the fee of the deposit {$250.00}. This was highly marketed in the media outlets. 
See Below from the XXXX XXXX for example : https : XXXX " According to XXXX XXXX XXXX XXXX head of Vehicle Solutions , drivers pay a security deposit of {$250.00}. Unlike with traditional auto leases, theyre not locked into multiyear contracts. If a driver decides to terminate the lease early, he or she forfeits the {$250.00} deposit, with no other penalties. '' How could owe any additional fees ( early termination and sales fees? ) that this company has listed but not verified? The answer is I clearly do not. Please discharge and remove. Stop this company from hurting innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: UT

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.

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 2022-02-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX  originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: UT

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX XXXX originating on XX/XX/2016. I paid on that loan consistently and never had a late payment. The XXXX XXXX is reporting that I had a late payment and I need that corrected immediately.

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 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
on XX/XX/XXXX I purchased an automatic litter box for {$89.00}, and paid through Paypal. I received a confirmation of purchase stating the item was coming from XXXX. Would not have purchased if I had known that. I never received the item and disputed the charge with XXXX credit card. They removed the item from my account. Paypal sent XXXX a notice stating I received the item and the {$89.00} Charge was put back on my account on XX/XX/XXXX. I contacted them and told them i never received it and they would not do anything. They said I need to send them documentation which I did on XX/XX/XXXX after contacting the USPS directly regarding the shipment I supposedly received. Not only did this package not get delivered to me, but it weighed 5 oz. The litter box weighs about 50 lbs. So obviously whatever was shipped was not what I ordered and was not even delivered to me. I have contacted XXXX 2 times after the initial call. The first call they said they hadn't received the documentation yet and the 2nd call on XX/XX/XXXX, they hung up on me. I just need to be protected from scams when using my card and obviously XXXX does not do that. Complaint for XXXX was denied because they said it was past a date from the purchase so I am complaining about PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was in a XXXX XXXX XXXX XXXX XXXX, while in the XXXX  i had to replace my credit and debit cards. my account was set up on auto pay. when i iwas in the XXXX i had to cancel my debit cards and others due to them being lost. my payment was processing from the previous card that was closed out and my account was late and i had 3 returned payments advised the capital one, and requested for something to be done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
in accordance with the fair credit reporting act XXXX account number XXXX has violating my rights 15 USC 1681 section 602 A states I have a right to privacy and 15 USC 1604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EXPERIAN Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 


XXXX 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 explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. EQUIFAX Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: CA

Complaint narrative:
I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-21 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: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. I was never late on this account. There are multiple errors. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update as OPEN - never late. 

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 2022-02-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. I was never late on this account. There are multiple errors. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update as OPEN - never late. 

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