vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 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: NC

Complaint narrative:
XXXX & XXXX has admitted that they do not have any loan information with my name, yet they refuse to delete it off my credit report. XXXX, Equifax and XXXX claims that the account is verified, accurate and validated, yet XXXX XXXX  XXXX can not find ANY LOAN INFORMATION in their system, So how is is verified, accurate and or validated by Equifax, XXXX and XXXX? Besides that, XXXX XXXX  XXXX had since XX/XX/2022, since they were notified by CFPB and XXXX and they could not find anything. 
I am unsure as to how my likeness was received by XXXX XXXX XXXX, but being a victim of the Equifax and XXXX data breach I can only believe this error was due to their errors as to the why this account appears differently on all credit agencies profile. I am a victim of aggravated identity theft and these companies have access to my credit and caused actual financial injury and severely harmed my existing relationships with financial relationships, as well as hindered my opportunity with news ones ; as I've been denied by many. These CRAs have willfully neglected their responsibilities to consumers by violating the FCRA. 15 usc 1681 b as well as 15 usc 1681 c-2 and each of its CEO 's are culpable, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter to Transunion Consumer Solutions disputing inaccurate information the bureau is reporting on my consumer report. 30 Days have passed and they have not responded and provided any finding from their investigation. On XX/XX/2022 I sent by certified mail a 30 day demand to comply letter in regards to the bureaus failure to uphold the law and comply with the legal time given to them for an investigation. They still have not responded or provided findings from their investigation

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 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
XXXX XXXX XXXXn has had two accounts for collections on my credit account I Have disputed the accounts several times because they are identify theft accounts I supplied documents supporting this and it turns out its Citibank they have sued me and now I have to appear in court to disclose my income so they can get paid this is ridiculous and unfair

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 2022-07-12 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I have attempted multiple time to get my consumer reports from XXXX XXXX, XXXX, and Chex Systems. I can not get them to provide me copies of my consumer reports.

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 2022-07-12 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I have attempted multiple time to get my consumer reports from XXXX XXXX, Innovis, and XXXX XXXX. I can not get them to provide me copies of my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2022-07-12 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: AZ

Complaint narrative:
The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo has a limit on how many payments I can make on my credit card bill a month. The rules are that as a card holder I can make only XXXX online payments a month and one each day. 
XXXX : I made a payment for {$500.00} on XX/XX/2022 but cant make another payment today. I also wanted to make a {$2700.00} payment in addition to the first payment but was denied processing the online payment. 

Also XXXX cant make more than XXXX payments a month towards my balance.

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 2022-07-12 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: NCB Management Services Inc.
State: FL

Complaint narrative:
I am trying to remove NCB Management Services from collections in all three credit bureaus as they have no validated proof of my signature on any documents and they will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX i contacted target regarding fraudulent charges that had occurred on my Target sore card account. The fraud department assured me i will not be liable for said fraud charges and they will initiate an investigation. I asked in the meantime what will i do about the balance and the representative informed to do nothing until i receive a letter about the results of the investigation. 

Fast forward to XXXX i was alerted by XXXX that i have a XXXX late payment from Target store card. I was shocked because i did not receive any correspondence from target since i last spoke with them in XXXX. When i called the customer service number i was told the instigation was completed XX/XX/XXXX and i had a balance left on the card that became past due. I informed the representative that i never received any correspondence from target regarding the completion of the investigation nor did i received any alerts/Emails/Calls or letters that i had a balance due. They apologized and had the matter escalated to the rep who handled this case. I was told the XXXX late report would be removed but no such thing has happened. My credit score has dropped by XXXX and im in the middle of purchasing a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over XXXX months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: AZ

Complaint narrative:
The inquiry appearing on my credit report is unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing this inquiry.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
INQUIRIES : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
this is a dragged out Dispute which has been lingering for over a year in XXXX oXXXX XXXX, i purchased a bicycle on a website promoted by face book the original charge was for $ XXXX did not feel comfortable with the purchase because i did not recieve a trackin # for the item which i had paid additional for express shipping. I called the credit card company and the filed it as a fraud case.i still recieved a bill and expected to pay it .months later i recieve a cheap XXXX fitness rubberband, althought the package did note state the name of the company i purchased the bike from, i am sure it pertained to this purchase. clearly a scam.I disputed the charge as i did not recieve what i paid for. the credit card company barclays bank Jetblue mastercard decided with the merchant, I appealed and after a year they once again sided with the merchant my bill is now doubled in interest and late fees.Most of these ridiculous dissisions are from incompetance of the employees which i have witnessed try to resolve the dispute.i am not sure on how this will help me without have my personal info

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 2022-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Zero Parallel, LLC
State: CA

Complaint narrative:
The XXXX XXXX XXXX, who already have been on XXXX radar many times, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-zero-parallel-steering-consumers-toward-bad-deals/ continue to defraud Us citizens XXXX his companies https : //www.zeroparallel.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX link to his private registration page XXXX XXXX XXXX XXXX  Please take the action. 
Respect, XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: OH

Complaint narrative:
There are fraudulent unauthorized unverifiable inquiries reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is SANTANDER balance $ XXXX # XXXX 30 days late in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
I have been working on my credit and noticed that I had a collection account from ENHDANCED REVOCERY COL. I was unaware of this debt. I also noticed on my credit report that the original creditor is XXXX who no longer exists. Which for one makes me question how could someone owe for a company that no longer exists. I decided to write them a letter certified asking them to validate the debt. They were unresponsive. I then wrote XXXX asking them to validate the debt and it came back verified but no proof as to what I owe and who I owe was sent to the consumer whose credit is being affected by. ACCT # XXXX is the account at hand I am speaking of. 

ACCORDING TO 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCORDING TO 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
In XX/XX/2021 I completed Loan Modification documents and returned them to Flagstar Bank. I was told that I was approved and the payment amount was changed from {$5200.00} to {$5800.00} to reflect the loan modification.I have been making a monthly payments since XX/XX/2021. I still do not have a final loan modification. 

I have spoken with numerous Flagstar representatives, who all assured me after they " researched '' my account, that the modification had been approved but the paperwork just hadn't been completed and sent back to me. They explained that they were backlogged due to the volume of modifications they were processing. Due to the delay in completing the loan modification I was unable to refinance the loan at a lower rate. 

Today, my XXXX mortgage payment was rejected by Flagstar and the statement : Loss Mitigation Program Status - The mortgage is currently on an active HFI Modification option, no longer appears! It looks as though they have just put us into the foreclosure process and taken us out of the modification process, with no comment to us at all. 

I'm writing and mailing a registered letter to Flagstar today, demanding that they complete the Loan Modification. Additionally, they have failed to pay a supplemental property tax bill that their representatives agreed was their obligation. I have provided this by fax numerous times. 

Unfortunately, I did not keep a copy of the Loan Modification documents I signed, I sent both copies back to Flagstar, so I can't include them here.

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 2022-07-12 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: AZ

Complaint narrative:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Some time in XXXX a bank account was opened at Bank of America. Here are the pertinent dates : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account # : XXXX. This account was opened while I was in the XXXX XXXX XXXX XXXX serving a term of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account through XXXX XXXX XXXX  as instructed by Bank of America. Within 14 hours of the dispute, XXXX XXXX XXXX XXXX XXXX ) deleted the entry and blocked B of A from making anymore entries on to my report. 
The dispute was sent to the wrong department at B of A ( regular disputes as opposed to Identity Theft disputes ). Rather than leaving everything in place and transferring the dispute to the right department, B of A denied the dispute as accurate and the freeze and deletion were rescinded. I believe a violation of federal law occured when this was done. I had two applications that were denied in the past 48 hours because of this. XXXX was for an apartment and one was for a credit card.

Every other company that received the supporting documents ( I believe the total was 9 ) immediately removed the entry from my credit bureau. 
Today, I called B of A and spoke to no less than 4 different departments. Finally, a manager advised that I pay the amount ( approximately {$270.00} ) and that would at least show that the overdraft ( even though it was identity theft ) was paid off. Once I paid the amount I was told that nothing could really be done because by paying it, I basically admitted the Identity Theft didn't occur. 
This was so egregious that I don't have words for it. It is the the type of behavior that put me in XXXX in the first place. 
Bank of America did no investigation. They lied to XXXX XXXX. They cut corners and tricked me into paying a debt that was not mine. 
The truth is that they don't even have to rely on any documents that I send them. If they took five minutes to do a XXXX search of my name they would see that everything I state is the truth as my case is all over the internet. 
I request they be fined or punished in some fashion. I ask that the funds I paid them them today be reimbursed and they be made to remove the negative entries on both XXXX XXXX XXXX and XXXX immediately. 
Thank you for taking the time to read and investigate this.

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 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP
State: PA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX a total of roughly XXXX dollars was scammed out my account and the bank is not willing to refund me stating that i made the transactions which i didn't do.They did a 10 day investigation which they didn't investigate throughly

Company response to consumer: Closed with explanation