vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: MD

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 to Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. Failure to comply 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 are the lists of the accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance {$750.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance {$4900.00} XXXX XXXXBalance {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
EXPERIAN has violated my right to privacy by furnishing my personal information as well as information in regards to any account I may have without my prior consent. I never gave EXPERIAN permission to furnish any of the information on my report. They have took it upon themselves to harm my credibility, furnish damaging items on my report, and has made it impossible for me to sustain a positive image. This has caused tremendous stress and XXXX in my life. I have tried numerous times to get this situation fixed. They have violated several federal laws under Fair Credit Reporting Act. The main being 15 USC 1681b, which states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I never entered into a contract with EXPERIAN giving them permission to furnish any information on me. Also, Pursuant to 15 usc 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer 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 2021-12-28 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: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond to the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: IL

Complaint narrative:
On XX/XX/2021 I certified mailed a notarized FTC Identity Theft Report, copies of my drivers license, social security card, utility bill and a letter statement from me that the information is not information relating to any transaction by me to Experian. I have proof that they received it on XX/XX/2021. I had XXXX XXXX, XXXX and XXXX XXXX listed as fraudulent accounts, fraudulent names, fraudulent addresses and inquiries listed as well. Experian blocked XXXX XXXX, all the fraudulent names, fraudulent addresses and inquiries. The representative XXXX XXXX said that XXXX wasn't blocked because it was more than 5 years on my credit report. This is absolutely absurd to me when it is identity theft. She also said that XXXX XXXX wasn't blocked because the FTC Identity Theft Report did not have the date the account was opened nor the fraudulent amount. I told her that I didn't know that information and the FTC report said to list it only if I knew that information. Why would they only Block some of the fraudulent activity from the FTC Identity Theft Report and not all of it? But I have attached the updated FTC Identity theft Report with the dates and amounts they requested added.

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 2021-12-28 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: TrueAccord Corp.
State: PA

Complaint narrative:
I have reached out to XXXX XXXXXXXX and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. XXXX XXXX is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTC Report, Affidavit of Truth to LVNV Funding and Attorney General of Texas complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I have reached out to AFFIRM INC and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. AFFIRM INC is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: MD

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. Experian Credit bureau has failed to respond on the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Experian failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My wife and I were living in XXXXXXXX XXXX and banking with a local credit union. We started building a home in the XXXXXXXX XXXX area earlier this year. We decided to sell our home and make the transition to XXXX which would include the decision to change our local bank. 

Upon evaluating our options, and seeing the offers that existed, we contacted a major bank CITIBANK and opened an account via phone call. This process was a disaster! It took several days to get this completed, they did a wire request in the amount of {$600000.00} instead of the {$60000.00}. It took several days to remedy this error even after requesting the recorded authorization and verifying that their agent " fat-fingered '' the amount requested. 

Upon selling our home, making the initial transfers, and then moving all of our banking to CITIBANK, this morning they closed our accounts. They refuse to talk to us. They have kept our money and verbally promised to return it to us. They have stated we have a notification mailed to us. ( and yet we have all our mail digitally presented by the USPS and there are no letters from Citibank ). The fraud dept. there has hung up on me twice. I can not get any help in resolving this matter or getting my money back from Citibank.

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 2021-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named Portfolio Recovery Associates and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got notification that my credit score keep going down. I checked it and I noticed that someone opened the credit card from capital one and closed it with the debts over {$2000.00} under my name. I called to the capital one bank and told them that I never open the bank credit. I never see any bank around my area. They said that was online. I said I never open credit card on online. I only open in person at the bank. They said they will do investigation. They asked me for my Id and my social security. I sent it to them and months later they still sent me the bills. I called them too many times and they kept saying they will doing investigation but also still sent me the bill and amount now going up to {$3000.00}. And my credit score keep going doen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I monitor my credit report through various means- XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc., and all of them show two inquiries from companies that I don't recall applying for credit with- XXXX XXXX in XX/XX/2021 and XXXX in XX/XX/2021. I contacted XXXX when I discovered the inquiry, because my credit score had not been high enough for me to even remotely consider trying to get a credit card through them. They were supposed to investigate and have the inquiry removed, but it still shows up on XXXX XXXX XXXX " copy '' of my TransUnion report. I haven't contacted XXXX XXXX about this issue. 
Another problem with XXXX XXXX is that I have contacted XXXX and XXXX regarding an address out in California that I have NEVER lived at or operated a business at ( I googled it and found out it's in an industrial location ), but XXXX XXXX still shows the outdated information. XXXX and XXXX have also claimed to have removed this inaccurate address, but it's still there on XXXX and XXXX XXXXXXXX XXXX copies of my credit reports. How can I get these incorrect information removed, permanently? 
I also noticed that further than 2 weeks back, they do not show the personal information section on the credit report! So, all names and addresses " reported '', that appear on any other credit report site, from all dates, are not appearing on 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 2021-12-28 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: KY

Complaint narrative:
THERE ARE ACCOUNTS ON MY REPORT THAT ARE CLOSED WHICH SHOULD NOT BE ON MY REPORT AS WELL AS ACCOUNTS THAT HAVE INACCURATE DATA PER BUREAU. i HAVE SENT ACTION LETTERS DEMANDING REMOVAL AND I HAVE BEEN TOLD NOTHING HAS BEEN RECIEVED AND NOTHING CAN BE DONE. PER THE LAW VIA 15 USC 1692 AS WELL AS 15 U.S. Code 1681b - Permissible purposes of consumer reports THEY NEED TO BE REMOVED ME BEING THE CONSUMER. 15 USC 1602i. tHESE ARE ALLEGED DEBTS. I AM UPSET TO SAY THE LEASE THIS INFORMATION HAS BEEN Inaccurate and has caused major loss within my life as well as i have been harassed by these companies at terrible hours of the night and early morning. only i can validate any debt and none of these are validated. these charge offs and collections are unlawful per 15 usc laws 15 usc 1681a2-b what congress says should never be on a consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In late XX/XX/2021, I mailed a certified check ( # XXXX ) to Barclays in the amount of {$5800.00}. I waited about 2 weeks until I began to worry that the check had not been credited to my account. At that point I called Barclays about the check but they said they had not received anything. At that point I thought maybe the check was lost and that I would just get it reissued by the title company through which I had completed a refinance with. After calling the title company which issued the check, they confirmed the check had cleared. I then called Barclays again to inquire about the status of this check I had mailed them. The Barclays agent told me they had created a dispute and that I would receive a response from them in the mail. On XX/XX/2021 I finally received a letter acknowledging my dispute and requesting documentation for them to investigate. This was the one and only communication I have received from Barclays in 5 months of reaching out to them. I needed to request this documentation from the title company which issued the check which took some time. After receiving copies of the front and back of the check, I sent these certified mail to the address listed on their dispute acknowledgement letter around early XXXX. It has now been 2 months since I have mailed, called and emailed them and have not received any response from them at all regarding the check.

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was a victim of identity theft. I have been disputing this error for over two years. My last dispute was sent via mail on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive a response. According to the Fair Credit Reporting Act, the company is required to respond within 30 days. I have contacted the company and informed them of this matter to have this error removed. The representative told me that they did not respond because they don't do pay for delete disputes. Rather they settle pay for delete disputes or not, I should have been notified. If this isn't removed I will be starting the litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
I created and mailed a cashiers check to pay off this debt on XX/XX/21. The check was negotiated by Barclays on XX/XX/21. As of XXXX, it was still not reflecting paid, so I called again and opened a case. They requested that I fax over a copy of the check and I did. I sent a photo of the front and back to fax number XXXX. On XX/XX/21 they mailed a letter stating they were unable to complete the request. A dispute was filed in XXXX with the check uploaded as well.. and that did nothing. I called again in XX/XX/21 and they said they will reopen the case and to send the copy of the check in a fax again. I did. Hoping this will resolve the issue, but also wanted to file complaint.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, XXXX XXXX XXXX was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX XXXX XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, 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 2021-12-28 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: DC

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear EQUIFAX MORTGAGE SERVICES : You have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for you, EQUIFAX MORTGAGE SERVICES, was placed within my credit file on XX/XX/2021. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon EQUIFAX MORTGAGE SERVICES to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove this offending inquiry as soon as possible. 

Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have never had any services with XXXX XXXX XXXX and my belief is that this is a debt that was discharged previously with case XXXX due to the amount being exactly the same. This service was in another state that I have never lived in and I have no knowledge of this company or the services that it provides. This company has sold this debt in attempt to collect something that is not owed by me. I am requesting that this fraudulent information be removed from my credit report immediately or legal action will be taken.

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: TX

Complaint narrative:
Cost of extended warranties are different to what was provided. They are much more expensive than what was described to me.

Company response to consumer: Closed with explanation