vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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: AR

Complaint narrative:
My Federal Consumer Rights has been Violated by Credit Bureaus Trans Union, XXXX, XXXX. My information was obtained without permissible purpose, I never gave them written consent to accept information from any Creditor, instead they reported my information to the public, which was false, misleading information, Identity Theft and Fraud. My Social Security Number, Email Login and password was Compromise, and as a original creditor only l can validate the debt. I did not validate this debt. 
I contacted the Federal Trade Commission and file a complaint # XXXX. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 which states that these accounts must be remove within 4 Business Days of receipt. The account listed below do not belong to me and is a result of fraud that I did not authorize : XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from Citi. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.

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 2021-06-20 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: FL

Complaint narrative:
I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXX XXXX  I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am an XXXX at the XXXX XXXX XXXX XXXX. I sent in my police report and my notarized affidavit to the three credit bureaus I called last month and talked to XXXX from XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to the XXXX XXXX XXXX office where i am employed and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them On Friday XX/XX/XXXX exactly at XXXXXXXX XXXX I spoke to XXXX who said he was from the fraud department integrity team and stated that and he didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Blok the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department. These fraudulent collections are not mine and need to be blocked from my credit report Under the Fair Credit Reporting Act Section 605B FAIR COLLECTIONS & OUT ACCT NUMBER XXXX AND XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
I am an XXXX employed with XXXX XXXX XXXX XXXX. I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with Fair Collections and Out and Collins Asset Group or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute for a chapter XXXX bankruptcy case # XXXX that is listed only on my XXXX credit report. On XX/XX/XXXX, XXXX replied to the dispute and advised that they received correspondence from LexisNexis, which is their vendor they use to verify bankruptcies, that it was certified as accurate. I was then advised that I would need to contact them to complete a method of verification in order to see how they were able to verify it. 
On XX/XX/XXXX, I contacted LexisNexis for a method of verification, and on XX/XX/XXXX, I received a letter of resolution that states since they were unable to verify the accuracy of the bankruptcy # XXXX, it was removed from my credit report. 

When I received this letter, I immediately uploaded the evidence that the bankruptcy was removed to their website XXXX. I was then advised that I needed to open another dispute with XXXX which I did. I have submitted numerous disputes, but the most recent was done on XX/XX/XXXX and on XX/XX/XXXX XXXX replied AGAIN and states that the bankruptcy was certified as accurate by LexisNexis. 

I contacted LexisNexis again on XX/XX/XXXX and they advised that there is no bankruptcy showing on any of my credit reports, and they do not understand why XXXX is saying this. They advised they would open a manual dispute again, but I advised this is not solving the problem and I would file a complaint. 

XXXX uses LexisNexis to verify bankruptcies that they add to your credit report, but would not honor the supporting evidence from the same company to have this bankruptcy removed. It is not fair that I have to suffer through this when I have done everything I can as a consumer. I have no other choice but to submit a complaint as there should be better communication between the two entities. 

This complaint is being submitted because when I call both companies, they both tell me to call the other party when it is their job to get this information removed immediately. I am filing this complaint in lieu of seeking legal representation. I want to get this matter resolved immediately, as this issue is having an enormous impact to my credit report. I have proved all of the necessary documents asked of me from XXXX, yet they are choosing not to do the rightful thing, and that is to remove this negative item. 
Attached you will find a copy of the resolution letter from LexisNexis dated XX/XX/XXXX that confirms they removed the bankruptcy, but XXXX is refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2021 I spent numerous hours on the phone between Bank of America, XXXX XXXX and XXXX attempting to rectify misinformation about the discrepancies in reporting on : 1. Bank of American non-reporting on payments and with reporting that doesn't reflect accuracy of bank statement balance vs credit reporting to XXXX XXXX XXXX. 2. XXXX reporting on XXXX. 

Currently my credit score went fromXXXX to XXXX and I was told it resulted from two hard inquiries of reach I secured XXXX more in credit from XXXX. The second inquiry was made by XXXX XXXX  whom made a one time credit inquiry based on securing a home load. Both inquiries was made two weeks apart and should not have resulted in a 43 point drop in my credit score. I was informed that the 2 hard credit inquiries, negative payments and lack of information on my home mortgage was resulting factors in a 43 point drop on my credit score. I do not meet the criteria for either of the listings for the drop in my credit report. 

I have a case number for Bank of Americas dispute and a pending dispute with XXXX on state items. 

In addition, I am a paid credit card monitoring member through XXXX and I have attained no help with resolving these matters on neither a pre or post basis of changes in my score and for its reasoning. The paid membership appears to be unassisted in its duties as outlined in the product service policy.

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 2021-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
The company I borrowed money from us based out of Kansas. The entity is speedy cash, the XXXX XXXX XXXX, XXXX XXXX, and related entities. First they hacked into my email and began tracking all of my email to my contacts. Then they began filling misinformation campaign against me through various entities. They gave run an illegal cyberstalking campaign against me, as well as paid individuals in auctioned cars and loaned to help harass me. Theyve also spread false news about me, and had me falsely XXXX. I tried to pay off my loans but lost my job. Ive paid the speedy cash loan several times, and they keep saying they cant get in contact with me and have garnished the same loan from me through XXXX law office in XXXX, Ks, XXXX they saying I still owe them. The harassment has been obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: MO

Complaint narrative:
Inquires I have not authorized Never On my credit report Foursight CA XX/XX/2021 XXXX XXXX  XX/XX/20XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXXXX XX/XX/2021 Informed me to contact the credit companys XXXX XXXX XX/XX/202XXXX 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 2021-06-20 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a Validation letter to Midland Funding located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please provide a complete account history, including any charges added for collection activity. 

In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: VW Credit
State: SC

Complaint narrative:
This loan was a end of lease purchase : never had a 30 day late although pretty much run loan payment more than 20 days due to other financial reasons. Don't think loan should have been underwritten as a Teer 3, maybe Teer 2 at best due to high utilization not bad credit or delinquency. But this is not my biggest problem, I have some control in the near future in possibly seeking a loan from my credit union. The biggest issue is getting the Robo auto dial calls at least 10 or more times a day, can show on my cell call logs, everyday except Sunday, I think the phone bliss should be illegal, with all the other stress I am currently dealing with is starting to effect my health. I have not missed a single payment on none of my bills, just run over 20 but never 30 days. 

I am getting bliss with auto calls from this VW credit on a daily routine, I wish they were local so go pay a visit, but its most likely best there not because you all have no idea what goes through my mind at times that I don't want to disclose. I will be drafting a stop order on phone calls which is protected by Fair Credit Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-20 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I sent a Validation letter to XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mi XXXX. I asked them to provide me with the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business or operate in this state. 
Please evident proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please provide a complete account history, including any charges added for collection activity. 

In return they sent a bill from another company that had nothing to do with what was requested. I contacted the credit bureaus and they failed to re investigate this matter. It is affecting my credit profile in a major way

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I disagree with the settlement offered by Comenity Bank under Complaint IDs : XXXX and XXXX. 

They only reimbursed the interest charge of {$14.00} ( XXXX statement ) stating that XXXX payment was delayed due to address change of their processing department. 

The notification of this address change DID NOT show up until my XXXX statement! Therefore, the XXXX statement interest charge of {$17.00} and the XXXX statement interest charge of {$10.00} should also be credited back! 

The minimum payment of {$35.00} on XXXX was only sent to avoid late charges AGAIN, until Comenity could apply the payments that were delayed due to the address change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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:
I have asked TransUnion to correct my name several times as I am not known by the last name of XXXX. I was married on XX/XX/XXXX and my last name is XXXX. I have also asked Trans Union to provide me with proof I authorized the inquiries on my account. Most recently, they responded with a letter sent to XXXX XXXX on XX/XX/XXXX. My credit report shows my name as aka XXXX XXXX XXXX! This makes it difficult to receive mail because XXXX XXXX is no longer my legal name. I have forwarded my marriage license and updated drivers license but they still refuse to update my file.

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 2021-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Business Factors
State: NV

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent accounts and are. I have never had any goods or services with NATIONAL BUSINESS FACT ACCT XXXX AND NATIONAL BUSINESS FACT ACCT XXXX or their affiliates XXXX XXXX XXXX XXXX they are knowingly and willingly reporting this fraudulent accounts and verifying them. They have caused me great damage and embarrassment also with emotional distress. I have also never received any Correspondence after sending the agency numerous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear CFPD, I am contacting you regarding my issue with PayPal. My account was permanently limited ( closed ) for no reason. After contacting them they are still unwilling to help me and will not get it back up and working. I am unsure if this is a mistake, but, either way, I have done everything in my power to get my account back and I was unable to. 

My account registered to my email XXXX currently has {$2200.00} USD which are blocked. I used PayPal quite frequently and I find it extremely unfair that they are holding my money. I hope you can help me. My full name is XXXX XXXX XXXX XXXX. You can contact me at XXXX XXXX or my other email, XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: NV

Complaint narrative:
I sent in my police report and my affidavit to the three credit bureaus that is enclosed with this complaint. I contacted Transunion and XXXX  Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after providing police dept and filing a police report and identity theft affidavit. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with XXXX XXXX, Defamation of character. They claim the collection agency verified this fraudulent account yet i never received anything from the collection agency.

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 2021-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well.. 

I just want to start off by saying thank you very much for having a credit card with Macys for all these years it really has been great and a pleasure but Im not for sure why I was charged {$37.00} in interest if I paid the full balance off before the due date. Can you please take off the interest this must be an error. Thank you for your time. Have a wonderful day and please be safe.

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 monetary relief
Consumer complaint received 2021-06-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Wrong name and open accounts

Company response to consumer: Closed with explanation