vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, XXXX  XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX  XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I have repeatedly contacted this company since learning of this debt in in XXXX of XXXX. I expressed to the company that this not my debt I have never owned this vehicle and while further investigation of this debt I was told this vehicle has never been registered as well as the address listed on this account is a business address not a residential address. I was asked by this company to submit a report from Identity theft. Gov and I did immediately through the email Credit acceptance provided to me. This company has sent me a payment book in response my dispute dating back to XXXX. This account is being reported on all three of the credit bureaus as an open account with 28 late no payments. With not even one payment having ever been made. Thats preposterous why would this fraudulent account still be an open vehicle account with no payment ever made and not be repossession account. I have never in my life heard of a company continuing to report an account with not one payment made or repossession as an active and open account with 28 late payments each reporting monthly on all three bureaus. This is a fraudulent account this is not fair credit reporting and attached will be all of my documentation to them. I want this account in its entirety removed from all three bureaus on my behalf. I have and continue to have financial losses daily as a result of this account. XXXX XXXX Mortgages all have been denied as a result of the fraudulent account thats being reported by Credit Acceptance as my account. The signatures on the the account that Credit Acceptance has uploaded are all electronic signatures, they are not my signatures they are done by a computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
XX/XX/XXXX and XXXX, XXXX, Loan Depot withdrew two payments for my first mortgage payment XXXX XXXX XXXX. XX/XX/XXXX, I asked for the money to be returned immediately as I needed it. Told it would take 7-14 days, I had no choice. Asked for manager wasnt provided one. Called?, because I received statement via mail that unauthorized payment applied to XXXX. Told customer rep I needed the money and was reassured it would be returned via bank account no later than XXXX. XX/XX/XXXX, asked where money was. Told it would be mailed and arrive at end of month - I was hung up on. Called back, told would be in bank account in 24-48 hours. XX/XX/XXXX, told via voicemail hopefully arrival by XXXX and to call back if not received by mail. Cant get any management by phone or a corporate number. I have been assessed a bank fee of {$25.00} due to this issue. It should not take multiple calls or this duration of time to get significant money back ( {$3500.00} ). I am going to dispute withdrawal with bank as I need some financial relief for bills now. Someone should look into this practice of holding money this long that was taken in error. They dont care!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TX

Complaint narrative:
I have 2 accounts on my credit report that have been Re-aged. XXXX, Transunion or XXXX  will not Delete the accounts even though I have submitted previous reports showing account been re-aged.

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 2021-07-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion notified me of a fraudulent account set up with XXXX XXXX XXXX XXXX in a version of my name and using my SSN. The letter stated that I had the right to contact the company for more information. According to The Fair Credit Reporting Act I have the right to " obtain documents relating to fraudulent accounts or transactions from a creditor or other business ''. XXXX XXXX XXXX XXXX  refused to provide documentation. Then XXXX XXXX XXXXXXXX XXXX  will not provide the information and states I must provide a XXXX  via an attorney. 

XXXX XXXXXXXX XXXX XXXX IS IN VIOLATION of The Fair Credit Reporting Act. 

Why have The Fair Credit Reporting Act if we do not require companies to abide? 
Why have The Fair Credit Reporting Act if companies, entities, government, including CFPB, only protect the frauds???? 
The Fair Credit Reporting Act appears to mean nothing accept that consumers receive free credit reports. 
The only way to stop all the fraudulent activity in this country is to actually uphold the laws and acts. Start helping victims and stop protecting the frauds!

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
1. Shellpoint will not provide me a designated representative. My representative is supposed to be XXXX XXXX. 

Shellpoint is falsely stating that they can not reach me. I have asked my designated representative on the phone to communicate with me via email. There is along email trail demonstrating that is it false when Shellpoint says they have made several attempts to contact me unsuccessfully. 

2. Shellpoint will not communicate with me directly at XXXX. 

XXXX. Shellpoint is unreasonably alleging I need to contact them bi-weekly by phone. If they will not honor, their own written statements, I do not have any chance if they are not willing to put the options in writing. 

The reason this is important for Shellpoint to try and claim that I am not being cooperative is because I made the trial plan total payments. But, Shellpoint sent a conflicting statement and used their error to allege that I did not complete the trial payments for the modification. I contacted my designated representative about the conflict. He acknowledged and said that he would speak to his supervisor. When Shellpoint never responded back to me, I paid the alleged difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: WI

Complaint narrative:
I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: WI

Complaint narrative:
I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved

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 2021-07-16 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: TX

Complaint narrative:
I have 2 accounts on my credit report that have been Re-aged. Experian, XXXX  or XXXX  will not Delete the accounts even though I have submitted previous reports showing account been re-aged.

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 2021-07-16 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: NY

Complaint narrative:
Hi CFPB, I will like to file a complain about XXXX XXXX and Equifax, I requested an unrecognized inquires on my credit report and they refused to remove it for the past 3 months. 

This is really hurting me and my family and its affecting me from getting credits from other creditors due to too many inquiry in short term. 

i have sent three letters back to back telling them to please remove the inquiries and provide me an evidence of permissible purpose, but none of them have taking any actions. 
They kept telling me its verified. 

This is violating my right as a consumer and putting me emotional distress and i will like them removed immediate. 

Here are the list of inquiries under each buraus XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX / XXXX - XXXX XXXX, XXXX Equifax XXXX/XXXX   - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Kindly help please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have a checking, which my direct deposit goes into, a savings, and a secured card holding {$3000.00} of MY money. Right now, I have {$9000.00} in the accounts. 

I am getting married, and I was purchasing XXXX gift cards for my wedding party, and had to go to several shops, as they control how many they send you. I used my ATM card and pin number, plus showed my driver 's license at each store. 

On XXXX, the XXXX of XXXX, Chime froze all accounts, and would not let me log in. It said my account had been suspended. I called them and they " escalated '' the issue, which did no good other than add 2 additional days to the problem being fixed. They wanted a copy of my driver 's license, and they said my birthdate had been CHANGED by a CHIME employee on that XXXX  at XXXX XXXX. My license used 2 years ago has the same birthdate as the new one I just got, as my birthday is XX/XX/1956. I sent 7 pieces of documentation, and waited the 2 days. Nothing. I called again, and they changed the REASON they suspended my account and then asked for a selfie of me holding my license and the back of my license. I provided all of this. Nothing. I'm going to have my internet and phone services disconnected because I can't pay my bills. 

It has since been over 6 days, and NOW, today, they said my selfie was too " shiny '' and they needed a new one. But if I had not called IN, I would never have known this. 

They are playing games for the interest on my accounts, and I want my funds able to be withdrawn immediately. I do not want the account closed until I can get another way to access my direct deposit ( they take up to 2 months. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with XXXX, XXXX  and Transunion credit bureau about the inaccurate reporting of accounts on my credit profile first premier and united auto!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2021 I filed a dispute with Experian, XXXX  and XXXX  credit bureau about the inaccurate reporting of accounts on my credit profile XXXX XXXX and XXXX XXXX!. In these 2 months I have not received a notice in over 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is a non-compliance of the FCRA. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 have these accounts that are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: Porania, LLC
State: NY

Complaint narrative:
I have these accounts that are not mine and i want them to be remove from my credit report. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

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

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

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

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

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER PL Account Number : XXXX  This is not mine.

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Received call from midland credit management on XX/XX/XXXX and again on XX/XX/XXXX to my work place. I asked they not call me and they asked for my bank information, they also asked for my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: OK

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX in XXXX, OK. I financed through Ford Motor Credit for a 72 month term. At the time of the purchase XXXX had a promo running called XXXX XXXX XXXX XXXX XXXX which states that XXXX and XXXX vehicles were eligible to have no payment for the first 6 months. XXXX was going to make 3 payments on the customers behalf and the other 3 payments could be deferred. My sales person said that I would have to call Ford Motor Credit to get them to apply the promotion since they did not process it correctly at the dealership. I called them and the phone rep was able to move my first payment date 2 months but they still have yet to pay their 3 months worth of payment like it states they would do as part of the XXXX XXXX XXXX program. I recently inquired about this and they told me it was not part of my contract so they would not be paying the 3 payments.I feel like this was false advertising in order to get a sale. The promotion is still posted on their website https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?

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 2021-07-16 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: FL

Complaint narrative:
Hi, I am writing to figure out how to resolve my terrible situation. The point that I found some items that do not belong to me. I do not know them, I do not recognize them. I thing its a mistake in reporting or identity theft. Once there was a situation when somebody used my personal information so I guess therefore I have fraud accounts actually. Could you please explain to me what should I do?! How I can dispute them or could you please delete these accounts from my profile?

Company response to consumer: Closed with explanation