vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

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 2021-12-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: FL

Complaint narrative:
XXXX XXXX XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, 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 2021-12-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 2021-12-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian choose to disregard true information by not deleting a bankruptcy off of my report. I have proof that Experian is not doing their due diligence to rectify their fraudulent activity.

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 2021-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named XXXX XXXX XXXX and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian recently regarding credit inquiries that are appearing on my credit file. I never gave anyone permission to pull my credit. I've called Experian numerous times and passed to voicemail with never receiving one single call back. The following inquiries are fraudulent : XXXX XX/XX/XXXX XXXXXXXX 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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I went XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to conduct a consumer credit transaction for a vehicle. I ended up being told I could only get a XXXX XXXX XXXX XXXXXXXX XXXX. XXXX5 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge should have been my only obligation owed for the XXXX XXXX. The finance charge came up to {$12000.00}. During the course me fulfilling my obligation to the loan holder Santander Consumer I fell upon hard times. I fell behind on payments and was unable to catch up. Even though i paid the finance charge plus more on XX/XX/XXXX my vehicle was repossessed by an unauthorized third party. On XX/XX/XXXX I received a letter from Santander Consumer stating they sold my vehicle and I still owed {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/04 a transaction from XXXX XXXX was sent to a user. I havent Used XXXX XXXX in years. I filed fraud both through my bank account as well XXXX XXXX giving them proof it wasnt me and havent used their services and still was denied

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There was a fraud on my my American account that I closed 3+ years ago. American express fixed the issues after I file complaint and told me it is fixed and account is closed. I do not think they fix the issue properly. Similar fraud is happened again. Please note MY ACCOUNT WAS CLOSED years ago. No-one should be able to use it. 

Today I receive statement that someone used this CLOSED account on XX/XX/21 again and there is a of charge of {$9.00}. ( see attachment ) I called Amex immediately. After waiting hours on the line, and person told me they will work on it but did not receive any confirmation. This is a repeating fraud activity and needs permanent solution. 
The main problem is Amex SHOULD NOT ALLOW any charge on closed accounts. This fraud activity keeps happening on same account and it is damaging my credit record and more importantly I may lose my job because of bad credit. I am a Government employee with clearance and maintaining good credit is very important to keep my job. Account is closed 3 years ago. It looks closed in my credit report, it looks closed on statement in the statement they sent me. ( see attachment ) Why Amex is allowing someone to used my closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX my parents had received an offer to install solar panels by a solar panel installation company. They went through with the process and signed for what was agreed for XXXX $ monthly payments at a XXXX $ loan. What proceeded to happen was that nothing that was signed and agreed upon happened, and then that the amount raised to! XXXX XXXX They failed to install everything, we weren't receiving the promised electrical bills, our fees doubled to XXXX $ + monthly, and they haven't tried to help us and are only requesting for us to pay bills. They are not assisting us with finances or clearing up the problem. We wanted to speak to the representative that helped us and the company says they for fired for fraud and that we have to pay up. To this date my parents have not paid anything and are in a case with a lawyer for civil litigation trying to repair their credit and sue the company for fraud and breaching the contract and failure to communicate or try to help in any way. Our lawyer told us there is thousands of these scams going around the United States and that they got caught up in it but he'll help us. Forwarding to XX/XX/XXXX, I randomly received an email from XXXX XXXX, that my account is delinquent and I'm in collections for the same company. I was astounded by how this could happen when I was out of state working while all this signing and solar panels contracting happened. It was during the holidays so I couldnt speak to anyone. Now I have called the lawyer and he told me to go ahead and file a dispute and this is what I assume a way to dispute. I have not signed anything and was never part of the contract, we have the paperwork and contract still and I appear nowhere on that paper. I contacted goodleap to see what happened and I thought that maybe they got confused on the name because me and my father have a similar name. They said I was a cosigner-Co-User for the loan,. I tried speaking with them and fixing it but they just want payment instead. I have never been part of this and have no idea how they obtained my information. I was never part of it and it was never on my credit reports/score until XX/XX/XXXX and i'm sure they committed fraud. 
I contacted the company GoodLeap and they told me that no person with my last name, which is different from my fathers is on the contract or on the collections/report. I have no idea why I got added, they told me that I shouldnt be part of collections. But they have not removed 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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Lowes reduced my limit without contacting me. 
Only because I didnt use the card for a month or two. I never made a late payment.

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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I received a letter from Caine & Weiner indicating that I owed an alleged debt. Caine and Weiner obtained my home address in which I never gave this information to them. Caine and Weiner violated numerous consumer laws in the letter they sent to me. I sent Caine & Weiner written notice to cease and desist and an Affidavit containing violations of the FDCPA. Caine & Weiner have yet to honor my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Receivable Recovery Services, LLC
State: PA

Complaint narrative:
A validation of debt letter under Fair Debt Collections Practice Act was sent to Receivable Recovery Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Receivable Recovery Services is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Upon a first notice from Portfolio Recovery I immediately sent a letter disputing the validity of the debt asking for proof within 30 days of the notice which is my right under the FDCPA. The company did not sent any further information to me and continued to ask me to pay for this proposed debt. I followed up with 3 other letters and 2 emails to them and this started back in XX/XX/2021. XX/XX/2021 they reported that this was bad debt on my credit bureau stating DISPUTED RESOLVED- CUSTOMER DISAGREES. 

This statement is false and disparaging and is highly suggestive that I was in receipt of the proof this was my account. I called the company again today and I was not able to get anyone to resolve this and I need help as they are in violation and I have proof of all my correspondence to them asking for proof and they in turn did not send anything but dunning notices. 

See attached all my letters sent back to them and not including emails to them since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I was misled by the Amex Platinum website into thinking that my online booking was with Amex platinum. Instead, all online booking is through regular Amex which does not give the same level of customer support. Nothing on the Amex Platinum website indicates that online booking are made by regular Amex. I pay a lot for Amex Platinum, and terribly disappointed by the misleading advertising on its website.

Company response to consumer: Closed with explanation