vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 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: IA

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2021-07-21 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: IA

Complaint narrative:
I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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 2021-07-21 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: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: LEXISNEXIS
State: LA

Complaint narrative:
I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX  was order by the court to dispute or deleted these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-21 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: IL

Complaint narrative:
I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
On XX/XX/2021 & XX/XX/2021 I sent certified letters to Synergetic Communication , Inc and they have completely ignored my request for validation of the allege debt this company says I owe. I have asked for them to cease all collection attempts until they have proven that they have the authority to do so. I also asked them to provide me with with supporting documents or contact each credit bureau and tell them to remove/ delete the allege account..

It is now 3 months later and still I have yet to be taken serious.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IA

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IA

Complaint narrative:
I sent a dispute letter to Experian pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.

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 2021-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2021-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
During the COVID-19 pandemic, Capital One bank maliciously and intentionally misreported balance and payment owed ruining my credit history. Theyve repeatedly refused to correct this despite 16 emails, 8 phone calls, 4 certified letters. In XX/XX/2020, payments made in good faith to capital one under business corporate card did not go through twice due to insufficient funds financial hardship during COVID, Capital one then closed the business account and personal account. I did not owe any money at all on the personal account ending in XXXX because I deposited {$500.00} for a security deposit and additionally received a merchant credit of {$840.00}. Capital one has fraudulently claimed the {$500.00} security deposit as money owed to them and is actually charging me interest and late fees on my very own money I entrusted in them. This card was initially {$500.00} secured credit card but due to a merchant crediting me {$840.00} the secured credit line was {$1300.00}. Capital one has taken these funds and claimed as their own further charging interest and fees on MY OWN MONEY. In the process have desecrated and maligned my entire financial history Ive tried to rebuild due to their fraudulent reporting and illegal charging throughout a pandemic. Ive requested for over a year now to rectify this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.

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 2021-07-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a young lady and did not know anything about credit and every time I apply for a place to live I am denied. I'm currently XXXX  and have been for years because of identity theft. It says I have rental properties from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For a car loan. I absolutely didn't authorize or knew anything about any of this until early XX/XX/2021. My name is even spelled wrong and I have never lived at those properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I XXXX XXXX has purchase the loan XX/XX/XXXX with a contract for 48 months term the price of the XXXX XXXX XXXX  {$12000.00} with a {$1500.00} down payment. i Contacted westlake financial services several times which they stated that the payments was posted to my account which i haven't received any balance reduce. I haven't missed any of my payments during the loan, i was sending my payments through XXXX XXXX, drafted out account, and other payments method that was require. So i contacted the director of compliance XXXX XXXX XXXX he took a look at my payments history and stated it was credit it to my account. So i contacted a lawyer and the Federal Trade Commission they alert me that it was fraud against the company, i then contacted XXXX XXXX it show proof the westlake financial services was wire my money to the dealer account and i wasn't getting any credit to my account that why my balance remain the same and the dealer confessed that the company was wiring customers money to his account which wasn't getting credit to their account. Also the company was reported as a scam and over charging customers.

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 2021-07-21 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: IL

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IL

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 recently sent multiple letters to you regarding a number of accounts including accounts " XXXX XXXX, XXXX and XXXX Bank. '' I notified you of inaccurate and invalid late payments regarding this account and others and you failed to fix them. First off these payments are not just a violation of the FCRA but a violation of 15 USC 1666b ( a ) timing of payments. I also already received a notice from XXXX regarding the account and you should have been notified.

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 2021-07-21 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: IL

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CFPB I put in 2 complaints to you on XX/XX/21 and XX/XX/21 about Portfolio Rec ignoring me and they finally sending me 1 piece of paper calling it validation. That was not validation and it wasn't all the supporting documents I asked for. They are still reporting this unvalidated allege account. The FCRA specifically says they are required by law to send validation along with the supporting documents I have requested.

Why haven't you stepped in and made Portfolio Rec follow the law of the FCRA and provide me with the docs I asked for. Why haven't you made them stop reporting this allege debt until they proof they have the authority and along with the other pieces of supporting documents I requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
This is pertaining to complaint XXXX-XXXX. All this information you provided in the previous response is irrelevant at this point. I am for one a SHE and not a HE. I am exercising my consumer rights and you HAVE NOT provided me with the correct validation documents requested. Please provide me with the requested validation documents in the attached letter below via mail. If this information is not provided i will have to take this to litigation and also file a complaint with FTC and my local attorney general 's office. I am keeping really good records of all my requests and documents and will use them if this has to be taking further. I would hope that you will honor my rights as a consumer as well not violate the FDCPA and provide the request information. If this can not be provided simply Remove it from my credit profile. A generic letter or itemized bill is NOT sufficient enough for validation. Please see attachment. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OR

Complaint narrative:
I've recieved two letters from collection agency National Credit Adjusters ( 1st dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX ). Both letters were a general debt collection settlement offer. Letters did not include correct information as required from FCRA. I responded to both of the letters ( sent via USPS certified mail ) with a debt verification request. I never heard a response back but company has continued attempting to collect reported debt in violation of FCRA. I've attached letters and proof of delivery.

Company response to consumer: Closed with explanation