vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
On XX/XX/XXXX Security First XXXX  submitted a premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

On XX/XX/XXXX Security First XXXX  submitted a second premium invoice to Primary Residential Mortgage Inc, ( PRMI ) at XXXX requesting payment for the property locate at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

The non-responses to said invoices resulted in a lapes of the home owner insurance policy, requiring an out of pocket payment to ensure reinstatement. 

A phone conversation with XXXX at PRMI on XXXX @ XXXX revealed PRMI had a system failure which deleted all information regarding insurance escrow payments. XXXX stated all customers needed to resubmit their home owners insurnace information. Notificaitions regarding sysytems outages or rquests for home owner insurance informtion was not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For almost a year now, I have been requesting that the credit bureaus perform a reasonable and thorough investigation into several unverifiable accounts that they are inaccurately reporting on my credit report. I have asked for verification of their legitimate authority to CONTINUE reporting INACCURATE, UNVERIFIABLE information and they have failed to respond to over 10 requests that I have made. When I check my report every month the notes on the accounts states that the accounts meets FCRA requirements, but have failed to supply proof substantiating that claim. These errors are preventing me from being able to obtain suitable employment, and have impacted me being able to obtain credit and financing.

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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I do not have any acknowledgment of this bank or debt.

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 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
I sent a letter back on XX/XX/2021 in regards to some accounts that are not mine and I have yet to see the accounts removed or received investigation results from the credit bureau 's. 

I would like for you to review the letter and affidavit I submitted in regards to the accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: FL

Complaint narrative:
I sent a letter back on XX/XX/2021 in regards to some accounts that are not mine and I have yet to see the accounts removed or received investigation results from the credit bureau 's. 

I would like for you to review the letter and affidavit I submitted in regards to the accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I was called yesterday ( XX/XX/XXXX ) regarding my past due amount that I owe. During this call I inquried about how much of the principal I had left, because this is the 3rd year I have had this loan. The amount I was told shocked me so I asked, how much of the {$450.00} I pay each month is applied to the principal. I was told 9 dollars. So I further inquired, how often is interest applied, their response daily. After crunching the numbers I found that it would take me 59 years to pay this loan off, so I asked if I can have my interest decreased. They told me their supervisor would be reaching out to me. During that night I continued to dig into my account with finding they have not been applying ANY of my payments to the principal. 

Today ( XX/XX/XXXX ) their supervisor called, his name was XXXX ( couldn't catch his last name ). I asked about lowering my interest, he said no. I then inquired about AB-539 because I am paying WAY over the limits set in place. He said that does apply to me because AB-539 came into affect in XXXX. But according to AB-539 is amends existing law meaning I am covered. After he told me I was not covered, I told him I need to seek counsel because he is incorrect, at that point he began attempting to talk to over me, so I raised my voice back on him refusing to be silenced. I asked for my contract, he said he sent it to me, I am assuming via email. I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a notification from Cash App stating my account was overdraft although I had XXXX in my balance. Cash app continually stated my issue was being escalated and I would receive an email, however that never happened. I continued communicating ( i have photos to prove ) and still have heard nothing back today ( XXXX ) in a span of a few hours twice my cash app account, which I have removed all of my personal banking information from, has had negative balance because someone is removing funding I do not have in there and have not used. Cash app will not respond in regards to this or help in any manor. Also on XX/XX/XXXX it was a news article put out that cash app had been hacked and peoples personal accounts interfered with but again they are not helping to rectify the problem. I have now lost XXXX and now have a negative balance of XXXX for as they are showing failed attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Last week I received a Wells Fargo Debt card. Yesterday I got the pin for the card. 
Problem is I don't even have a Wells Fargo account. 
Just saw on the news there might be sanctions against them because they creating accounts that aren't there. 
XXXX tried to call them but they said we don't do this and then got hung up on ....

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus were not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

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 2021-09-01 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
On ( XX/XX/2016 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I was verifying my credit reports for employment verification, for credit denial, lowered score and due declared disasters moratorium of DR4493-COVID19 PANDEMIC, DR-4473 EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED MEA CAR ACCIDENT WITH PROPERTY LOSS IN XX/XX/XXXX, DR-4336-HURRICANE IRMA. I have noticed that SEARS reported inaccurate information IN XXXX about balances, missed payments and late fees charges and added missed payments and charge late fees to my balance over my credit limit, when i am not using my sears credit card neither more charges were allowed. i would like that they removed the inaccurate information as my rights under CARES ACT, AND following bills 116s3548is, bill 116hr748enr, bills116hr133sarcp11668. those charges not proceeding under declared disasters, i am not a delinquent criminal person. i have the right to privacy and intimacy and i do not want to SEARS shared my information because i was a survivor of the disasters and i was affected, i lost m employment, new contracts, and new jobs, lost my home, lost my cars due to my rights violation and now i am trying to fairly recovering i did not received any aid from fema neither from small business administration, that denied me the loan due to my credit report, and lost employment contract due to my credit report and i can not pay due to the employers do not contract me due to my credit reports and becomes a vicious circle, and libels about my image. i tried to resolve with them in XX/XX/XXXX under DR4473 and in XX/XX/XXXX under DR4493 and they do not want to fix the incorrect balance my credit limit was {$500.00} and i did not used my credit card because there no more transactions allowed so they are adding the missed payments and late fees charges over the credit limit in convenient way for them, and that it is not equal opportunities. i did not owed to sears {$1100.00}, i did not owed to sears {$1000.00}, i did not owed to sears {$1000.00} as the incorrectly and falsely reported to my 3 credit reports agencies.

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 2021-09-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good afternoon, I have XXXX credit score from all three reporting bureaus. Equifax on XX/XX/2021 dropped my credit scores to XXXX. I called XXXX  and XXXX  and they explained to me that there was no changes in my information. I do not have a collections, late payment, bankruptcy, or court decision. 

I went into Equifax to see the reason for the drop of XXXX points and there was none. All the information i had with them prior to dropping my score form XXXX to XXXX are the same. I tried to submit a dispute and the system would not let me. 

I called the agency on XX/XX/2021 at XXXX XXXX. The staff told me that they are no able to tell me the reason why they drop my score. I tried to explain to them that they can not randomly drop people 's score without being able to give the reason behind such action. 

I was not able to get any explanation why Equifax drop my score by XXXX points. I still have a FiCO score of XXXX with XXXX  and XXXX with XXXX. But, I can not get information about my credit score with Equifax. I know by law, you can not drop someone's without providing why it was dropped and I was not able to get any information form them. 

Thanks in advance for helping understand why they drop my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX  and XXXX  Credit Bureaus failed to comply with XXXX Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: AFNI INC.
State: VA

Complaint narrative:
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: WI

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it

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 2021-09-01 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: WI

Complaint narrative:
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX asked to certify using metro 2 not done asked the company to certify using metro 2 and they did not do it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CT

Complaint narrative:
XXXX XXXX  has no right to be in my credit report I do not now how they were allowed to access my report and put this claim in I never have a n account with these people please remove from my report they are not telling the truth I never had any contact with these people and was not notified of any of this. please remove the {$690.00} collection account that just showed up in my report

Company response to consumer: Closed with explanation