vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 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: OH

Complaint narrative:
I previously submitted documentation regarding Identity Theft. I have attached them again. There are accounts on my credit 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 2021-05-28 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: OH

Complaint narrative:
I previously filed an identity theft dispute regarding accounts on my credit reports that do not belong to me. I have attached the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
This debt collection does not belong to me and never received any documentation via mail saying i owe this debt yet still put it on my credit report as i am a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: AL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I ordered a garage door online with Lowes on XX/XX/XXXX, which was part of a homeowners insurance claim due storm damage on my home. There were numerous other charges to the account in conjunction with the home repairs, and we believed that the charge had posted, and had been paid with funds from our insurance company. At the end of XX/XX/XXXX, I received a statement in the mail from XXXX with the charge of {$1700.00} for the garage door which was purchased on XX/XX/XXXX. I am attaching proof of the confirmation email when the order was placed on XX/XX/XXXX, and a copy of the credit card statement showing the charge posting on XX/XX/XXXX. I feel it is extremely unfair consumer practice to post a charge to a credit card 9 months after that charge was made. In this case, it caused an even greater hardship on me as the consumer, as this was left out of my homeowners insurance claim due to the late posting and we are now fully responsible for this portion of the claim.

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 2021-05-28 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: LA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-05-28 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: LA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: Possible Financial Inc
State: OH

Complaint narrative:
This is my fourth dispute regarding the same accounts that has been affecting my credit and holding up the process of purchasing a house. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX  # XXXX, POSSIBLE FINANCIAL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I had requested a Loan Modification for my mortgage loan. During the process I was informed I did not have to make a payment until the Loan Modification was completed. Unbeknown to me was that the Lender had filed a Notice of Default [ " NOD '' ] and a Notice of Sale [ " nos '' ] during the Loan Modification process. At no time did they inform me that they had field a NOD or NOS. 

There were fees they required for me to pay in advance, like for homeowner 's insurance, but they never credited me for the payment nor have they refunded the fees paid. They have been very difficult to contact and they have stonewalled me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have tried and tried to get XXXX  to show a Credit Score on their site which shows me my credit card accounts etc. 
I just received an email saying : Hello XXXX, Important information about your FICO Credit Score We wanted to let you know that we couldnt automatically update your FICO Score from XXXX this month based on the data we pulled on XX/XX/2021. If youre planning on applying for credit soon, we have seen members in similar situations generate a FICO Score by ruling out the below items. Do any of them apply to you? 

( I have a credit score on my chase account and also on my XXXX card under XXXX so I don't see how the " Items. Do any of them apply to you? '' would make a bit of difference since I have scores on those sites. ) Now I happen to know they are lying to me due to the following. 
I have a chase bank account and with that account they also give me access to my credit called XXXX XXXX. 
On that XXXX XXXX I have a FICO Score of XXXX and do you know where that FICO score comes from? 
It says it right there on the page : Powered by XXXX! Yes it does! 
So why if XXXX  can allow access to my score on my chase account they won't show it on their site? 
Because they keep offering me, for a monthly fee to give me access to my FICO score. 
They are lying to me and preventing me from obtaining the credit I am trying to get to improve my credit score. ( The one I have on my chase account ) It basically amounts to extortion. Pay us money or we won't list your fico score. 
Creditors go to their site to check my score and not my chase account. 
I am very very upset with them and have called and called and emailed and they just keep lying to me! 
Please Please Please help me to get them to stop lying to me and put my Score on their site. 
Thanks.!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: NV

Complaint narrative:
Regarding information about a said XXXX bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... XXXXThe Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report.

As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX  XXXX CO L with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXX  with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I received a notification from Bank of America that my credit card was upgraded from Visa Traditional to Visa Signature as I was a preferred client. They sent me a new card that is stamped ( Visa Signature ) and I started using the card. Lately, I had a damage and there is a benefit for such loss under the Visa Signature but not Visa Traditional, when I contacted Visa to collect such benefit being a Visa Signature holder, I was directly informed by Visa that although the card is stamped Visa Signature the bin number on the card ( first 6 digits ) are for Visa Traditional ( first 6 digits are XXXX ), which means I am not eligible for this benefit. So I called Bank of America to try to clarify the situation, the bank customer service representative stated that this is definitely a visa signature and when I clarified that the Bin number reflects Visa Traditional, she was shocked and transferred me to a manager. The manager was of less help and was not able to solve the issue as well.

I really request your help as the Bank is committing fraud, they mention something while the truth is something else, they issue a card with a Visa Signature stamp while it is not Visa Signature, it is the the worst types of Visa tricking their clients. I am sure they are doing this with many of their clients and not everyone experienced this.

Appreciate if you can get involved in solving this issue as my card if misrepresented to be Visa Signature while it is Visa Traditional. 

I am attaching copies of the front and the back of the card for your review.

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 2021-05-28 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
I received an alert today from XXXX  telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called Radius. Once I was able to find out who Radius was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting Radius and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!

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 2021-05-28 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX. The end of lease is XX/XX/XXXX 2021. I would like to sell the car outright. At the time I leased the vehicle, I made sure to inquire that there would be no penalties or fees should I want to buy or sell the car prior to the lease being up. I was told there would not be by both the salesman and finance department. My payoff is a little over {$17000.00}, I was made an offer on XX/XX/XXXX/2021 for {$21000.00} by XXXX XXXX. My husband took the vehicle to VW to see what they would offer and was told that if we sell the car to a 3rd party, and not buy the car outright first, the other company will have to pay them {$21000.00} for the car, which is market value. I said I was not told this when I leased the vehicle, nor did the payoff quote say anything about if I purchased it outright or someone else wrote them a check- there is no transparency and basically VW Credit is taking the money from their customers and using NO transparency to do so. Had I gone and accepted the money from XXXX  XXXX, I would have owed VW credit more than I could sell the car for. I was lied to by their sales people to get me to lease a vehicle and I am being cheated out of almost {$3500.00}. I have spoken to VW credit and they will not do anything about it. The only difference is that someone else would right them a check for the payoff. This is truly stealing from your customer.

Company response to consumer: Closed with explanation