vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized Loan Servicing ( SLS ) has been sending me notices regarding an alleged debt ( see attached ). I have sent numerous requests to them to prove up the validity of the debt and produce accounting records via qualified written request ( QWR ). SLS did not respond to my specific demands. Most recently, I have requested that SLS send a payoff demand and produce the rights to release the alleged lien. Their failure to respond to all of my requests has interfered with the ability to sell my home. SLS. SLS assumed the servicing rights from XXXX XXXX XXXX, who also would not respond to QWR requests. XXXX is in violation of numerous FDCPA, HUD and RESPA laws. I am seeking your assistance on this matter before I proceed with litigation.

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 2021-06-29 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: TX

Complaint narrative:
On ( DATE OF COLLECTION REPORTED ON YOUR ACCOUNT/COLLECTION LETTER SENT TO YOU ). XXXX XXXX, XXXX, and XXXX add a derogatory mark and has too many inaccuries on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's Creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature even it has no balance for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA XXXX XXXX, XXXX, and XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I received an email saying I owed a debt of {$370.00} to XXXX XXXX XXXX. However, I have never had an account with this company and, upon further investigation, learned that the name associated with the account was " XXXX XXXX. '' This is not my name and I don't know anyone by this name. I have also had the email address used by the debt collection agency for many ( ~13 or 14 ) years, so it is unlikely that it ever belonged to anyone else. After googling the name XXXX XXXX it appears that someone of that name died in 2014, so it seems like this may be an old debt rather than a case of a debtor supplying creditors with a false email address. It seems possible that this is simply an attempt to frighten random email addresses into paying off a debt of someone who has been deceased for a while. The debt collection company was TrueAccord, who stated that they were operating on behalf of XXXX XXXX XXXX. The person who emailed me was XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, MI XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, 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 2021-06-29 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: MN

Complaint narrative:
The following credit card that was opened at Capital One Bank with my personal information, is a fraudulent credit card account : XXXX. I never applied for the Capital One Bank Credit Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On XXXX XX/XX/2021 my phone was stolen. I had several fraudulant transactions all of which have been resolved except for the transactions made through my Robinhood account. My XXXX XXXX credit cards were effected along with my XXXX Debt Card. All of which are now resolved. I have sent the company loads of evidence which clearly indicated the transactions are indeed fraud and get the same response over and over. The stress of the situation recently put me in the hospital and I have lost wages due to there negligence and attempting to scramble together evidence to preserve my credit score without having to pay these fraud charges like the company is requesting. I would like the following as resolution. Review the evidence attached and fix the problem. I would like my account with XXXX XXXX  to be closed and no further contact from this business ever again. The service and way they treat people is ridiculous. They also refuse to give me a physical address to send a demand letter to as I'm willing to go as far as presenting my evidence in small claims before a judge to let a true professional decide. I've been a XXXX  for 4 years and never seen a company with such a flawed fraud process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX, XX/XX/2021.

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 2021-06-29 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: CA

Complaint narrative:
I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft.15USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. Unauthorized inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX- 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 explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/21 I tried repeatedly to withdraw {$160.00} from my Merill XXXX brokerage account which is held as cash in their deposit program ( ML Direct Deposit Program ). The system will not allow me to withdraw my withdrawable funds and says Were sorry, we can not complete the request at this time. Please try again later. 

I suspect they are purposefully creating friction for users to withdraw their funds. I have noticed similar practices and patterns with Merill XXXX making the process to link a non-Bank of America account extremely convoluted and difficult in order to steer customers to opening a BoA account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent certified letters to dispute inaccurate information reporting to my credit report. The credit bureaus continue to ignore my request to remove this record and states that the account meets FCRA requirements, however, will not supply information as to how they are verifying this public record. I have contacted the bankruptcy courts who have confirmed that they do not verify any information with he credit bureaus. This is reporting in error and could be a case of mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I applied for a credit card with my social security card on 06/16/2020. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2021, I drafted the attached dispute to Experian advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.

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 2021-06-29 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXXXXXX XXXX  XXXX, XX/XX/2021 and XXXX/XXXX, XX/XX/2021.

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 2021-06-29 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: MD

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021, I drafted the attached dispute to TransUnion advising that my " personal information '' appearing on my credit report had errors. I have attached USPS receipts indicating proof that the dispute was delivered on XX/XX/2021. Despite this, the incorrect information remains on my credit report more than 30 days later.

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 2021-06-29 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I do not have any agreement with Jefferson Capital Systems as well as received any notice to the alleged debt. Both actions from this debt collector are in violation with 15 U.S. Code 1692.

Ive attached a document that I have tried multiple times to get to Jefferson Capital Systems and did not receive any reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a credit card with my social security card. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. COMENITYCAPITAL/XXXX  and COMENITYCAPITAL/XXXXXXXX inquiry needs to be removed from my consumer credit report because I used a credit card in this transaction, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I purchased my triple credit report on XXXX I don't understand why these 3 bureaus have totally different information, inaccurate, Inconsistent information if the information came from one creditor.

It has several FCRA Violations From XXXX XXXX XXXX XXXX : It's inaccurate and inconsistent, it's not reported the same as required by law.

1. Date of Last Activity inconsistent/Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Payment History : Inconsistent & Inaccurate CO has been reported 17 times on XXXX but It was charged off one time.

NO payment history on XXXX, it's inaccurate XXXX XXXX days late : XXXX XXXX XXXX XXXX  days late.

This should be the same on all 3 bureaus 3. Close Date Inconsistent/ Inaccurate ; XXXX XXXX, XXXX  No DateXXXX XXXX NO Date 4. High Balance Inconsistent/ Inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX  5. Terms : Not Listed on XXXX XXXX or 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 2021-06-29 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: LA

Complaint narrative:
I sent letters on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I feel like Im being taken advantage of and like my disputes are being ignored. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: NV

Complaint narrative:
I recently discovered an open account on my credit report. On the account it states I have an unpaid XXXX XXXX credit card/account with a balance of {$6400.00} dated back from XXXX. 

I have not opened a XXXX XXXX account of credit card in my name. I contacted XXXX XXXX customer service, and they confirmed that I have never opened an account. They told me that someone used my name in the east coast of the states in result of identity theft. 

I would like to delete this account off of my credit report as soon as possible. 

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