vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this 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 2021-07-08 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: LA

Complaint narrative:
EQUIFAX, Recently, I reviewed a copy of my credit report and noticed a few unauthorized credit inquiries on my XX/XX/XXXX credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the following creditors and investigate such occurrences : XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX PXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 
If you have any questions or need additional information, please contact me at address listed below. 



Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$79.00} Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal produced fraudulent statements claiming that My item was delivered to my address when It wasn't See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l XXXX 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..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type : Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : Amount Delinquent : Account Balance : {$710.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2021-07-08 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: C/C Financial
State: PA

Complaint narrative:
On XXXX an account was opened fraudulently in my name and using my social security number. I was notified on XXXX XXXX when a withdrawal in the amount of approximately XXXX was taking from my account. My bank gave my the merchant and telephone number and I contacted Preferred Lease to inform them this account was fraudulent. Preferred Lease directed me to their fraud department and took my information while also directing me to file a police report as well as a FTC report. I followed through but then they requested photo ID, social security card, and other information that I was uncomfortable with being as though this matter was already identity theft. I contacted the credit bureau and had them investigate the matter sending them the information they required. XXXX  stated that the account was validated as belonging to me. I asked XXXX  to send me what information was sent to verify my account and they stated that there was not anything sent to verify the account that Preferred lease just confirmed by email that the account belonged to me. As of today this has hindered my credit and is causing major damage as it is reporting late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agencies XXXX, XXXX, and Equifax by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GA

Complaint narrative:
Due to some fraudulent activities I have hard inquires on my report that were not authorized by me! I have disputed these inquired w/the CRAs w/no success. 

XXXX/XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXXA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX I did not authorize these inquires and I am NOT benefiting from these inquires. 

There are ONLY TWO INQUIRES THAT I AUTHORIZED XXXX  XXXX XX/XX/XXXX AND 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 2021-07-08 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: LoanCare, LLC
State: MD

Complaint narrative:
I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and XXXX  has done nothing but collude with the company. XXXX  has done nothing to correct my credit report. The account is Loan Care LLC. Account # 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 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-07-08 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: OK

Complaint narrative:
I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

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 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I refinanced my loan through XXXX and a distribution was sent to Marcus on XX/XX/2021, in the amount of XXXX via USPS with my loan number, XXXX noted. Since that time, I have opened two cases with Marcus to location the check and confirmed with XXXX  that the check was sent to the correct address below : Goldman Sachs XXXX XXXX XXXX, PA XXXX Marcus had delayed the posting of this amount and refuses to investigate the situation despite my to requests to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
At XXXX on Friday, XX/XX/2021, Chase contacted me and stated that the mortgage auto-payment had been shut off by me, which I never did, and that the payment was now 36 days late. I immediately made the payment, and the representative assured me that all would be corrected with the credit bureaus and that autopay had been reestablished. When I followed up asking for confirmation that this had been completed, I was told by the service center that I had never had auto-payment established and that the late payment credit bureau reporting would not be removed. When I documented that I had, in fact, established auto-payment, they came back with the fact that while I had established auto-payment, I had also turned it off. I never turned it off and never received any communications that the autopay had been deactivated. After elevating multiple times, I was never able to make any progress in getting the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In the process of trying to purchase my first vehicle back in XXXX I was unable to, due to a Bank of America account that was opened since XX/XX/XXXX without my regards. Ive been a victim of identity theft. 
Today this account has a balance of {$2600.00} and is effecting my credit score. I contacted XXXX  and XXXX  multiple times by mail and neither has solved my problem as this account is still reflecting.

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 2021-07-08 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: MD

Complaint narrative:
I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and Equifax has done nothing but collude with the company. Equifax has done nothing to correct my credit report. The account is XXXX XXXX XXXX. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SERVISFIRST BANCSHARES, INC.
State: AL

Complaint narrative:
On Tuesday evening, XX/XX/2021 tried using my debit card to make a {$8.00} purchase at XXXX ... my debit card ( Serv 1st Bank ) was declined ( balance was {$410.00}, had gone to the bank earlier in the day ), tried several times. 

Last week the same problem tried to make a purchase on line, ( balance was over {$400.00} ), called the bank, spoke with Ms.XXXX, state that a previous online order ( on XX/XX/2021 ) made to XXXX in Arkansas was in question, but they let the order go thru, then decline my card for further use. 

Which did not make sense, if your questioning the purchase, don't allow the purchase to go thru. I made the purchase to XXXX on XX/XX/2021. 4 to 6 weeks ago the same thing happen again, tried making an online purchase, my card was declined. I called the bank spoke with XXXX or XXXX, he state that the bank controls my money, I then drove to the Bank, spoke with Ms. XXXX, she that the bank does not control my money, if there is a question then they contact me. 

I have never had a problem with my card until 3mos ago. I think it is racially motivated, by bias persons working at this branch and condone by the CEO of this bank. 

Please investigate Servis 1st Bank on XXXX XXXX, XXXX, AL XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation