vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer 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 2022-01-09 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: NY

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX 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 identify 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 commission 's Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NJ

Complaint narrative:
On XX/XX/2021 a letter was mailed to Equifax ( regular mail to XXXX XXXX XXXX XXXX, GA XXXX ) requesting that they disclose the method they used to retrieve a Bankruptcy record that they have listed as a public record on my credit report. I advised in the letter that at this time I was simply seeking detail on their verification method. Equifax did not respond. Following the lack of response I went directly to XXXX XXXX : and the Bankruptcy Court noted on my credit report and in response both entities responded they could not verify the record themselves- and XXXX XXXX specifically as a result of not being able to verify the record - deleted the Bankruptcy record from their reporting. Following the response of both entities I submitted a formal dispute to Equifax on XX/XX/2021 ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ) which was delivered on XX/XX/2021. The dispute documentation included the notice from XXXX XXXX and the Bankruptcy court. Along with all pertinent letters. Equifax responded indicating the record would remain as the information was accurate. Equifax did not furnish any documentation to support their response or decision to leave the record unchanged - despite the evidence I sent to them showing the item could not be verified in accordance with FCRA requirements. On XX/XX/2021 I sent a follow-up notice to Equifax regarding their dispute response ( mailed certified mail via tracking # XXXX XXXX XXXX XXXX XXXX ). At this point I have given Equifax ample time to properly resolve my dispute and to review their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: Vela US Holdco. Inc.
State: IN

Complaint narrative:
This is another complaint to my list of complaints on the XXXX XXXX XXXX, and their negligence in validating and correction XXXX XXXX XXXX. 
FAME, debt collector, is listed on my credit report, XXXX XXXX Federal Highway # XXXX XXXX XXXX, FL XXXX, phone number listed ( XXXX ) XXXX. The credit report shows that the account number XXXX is closed, and XXXX as the amount. It says, " account transferred to another office '', there is no original creditor listed. It also reflects that, " student loan assigned to government ''. The account is incomplete and inaccurate. 
This account is damaging my credit worthiness, due to the defamation of character. What is the PERMISSIBLE PURPOSE ( 15 USC 1681b ) ) for FAME to be listed on my consumer credit report? Did FAME extend credit? Is there a two-signature contract? 
I demand that XXXX validate the alleged debt. 
I am demand proof of clam for this alleged debt from FAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TN

Complaint narrative:
On XX/XX/XXXX the data furnisher for XXXX XXXX Experian, XXXX XXXX DELETED an unverifiable XXXX XXXX bankruptcy from my credit file. XXXX XXXX Experian deleted the bankruptcy from my credit file too, but left several erroneous accounts on my credit file associated with the deleted bankruptcy. I filed two disputes with XXXX XXXX Experian by phone on XX/XX/XXXX and XX/XX/XXXX, but these unverified accounts still remain. 

I also summitted an affidavit from the FTC by mail that my identify had been compromised last year ( XXXX ). 

XXXX remaining accounts for deletion are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Experian remaining accounts for deletion are : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO ) 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 2022-01-09 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: VA

Complaint narrative:
I sent 3 letters approx. ( XXXX ) days ago on XX/XX/2021, to all 3 bureaus about my credit report having so many unauthorized items on it. I have contacted XXXX, Transunion and XXXX in regards to this and nothing was done! They are complete criminals and the CFPB can not sit by and watch this happen. Do you know how this is affecting my livelihood? I can not even get my loan officer to run my credit because I have to place a XXXX freeze on my accounts and file a FTC report and a police report, because the credit bureaus won't do what the XXXX they are supposed to do. This is XXXX XXXXXXXX. I know my FCRA rights and I know if my report is not taken care of and investigated within 30 days then things need to be removed immediately. Why is this not happening? Is it because I am an XXXX XXXX and our credit reports are far less important?! Please respect the law and get this right. Please remove all unauthorized accounts and inquiries from my credit report immediately or I will take this to court and sue. You would think after the XXXX data breach that everyone would be more cautious and helpful to identity theft victims. I guess the victims have to fight too! and making those criminals over at XXXX, XXXX and Transunion do their jobs. Instead of using stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have also attached my drivers license, my social security card and my life insurance statement. I have receipts of everything. FTC report reference number is # 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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN

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 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
An unauthorized account was opened in my name, maybe close to six years ago. XXXX  XXXX bank originally opened up said account, which was unauthorized and unknown to me. 

However, this alleged account started appearing on my credit report, which I submitted written correspondence to both XXXX XXXX bank and all three credit bureaus. 

I was always told this account would be investigated and I would be updated, however, the credit bureaus would only continue to send template correspondence letters stating that XXXX XXXX bank verified such account, XXXX XXXX bank would continue to say they were still conducting their investigation, which was a contradiction to what the credit bureaus were telling me. 

However, XXXX XXXX bank actually sold this alledged account to a nationwide debt buyer Portfolio Recovery Associates, LLC, and never sent me any information regarding this alleged account. Shortly thereafter, I started receiving correspondence from the above-mentioned debt buyer, however, they never sent me any documentation which links me directly to the alleged account, nor did XXXX XXXX bank. 

Portfolio Recovery Associates, LLC has continued to violate my rights under the Fair Debt Collection Practice Act and Capital violated my rights under the Fair Credit Reporting Act well before they sold such alleged debt. 

How XXXX XXXX bank breached and compromised my personal information is still unclear, however, my personal information was breached and compromised and XXXX XXXX bank never took responsibility to correct the issue, they just simply off-loaded the account to a national debt buyer. 

Whereas Portfolio Recovery Associates has continued to violate my rights even further. By not producing any evidence and or feedback regarding such account. There's no such evidence that legitimately links me to this fraudulent debt.

My question ( s ) to Portfolio Recovery Associates, among others : How was this debt originated? Who authenticated and validated this alleged account for its accuracy before it was sold to your agency? How did Portfolio Recovery verify the debt was accurate before they purchased the debt? Were 's the purchase agreement and bill of sale that was signed as a condition of purchasing the debt from XXXX XXXX Bank? What ommissions were made, as a condition of Portfolio Recovery purchasing such debt? All of the above questions are just a short list of questions that will be further examined and explored if we need to proceed to any court proceedings. 

This account was an account that was opened in my name and without my consent, the address used was an address that belonged to my deceased mother, that's what I discovered over the years. It's still unclear how my data was breached! 

This fraudulent account must be removed from all credit reporting bureaus, this is the only remedy I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NJ

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from any outside sources. Please make sure you open my attached documents as it contains my request and all proper identification.

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 2022-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Opened the account and funded with {$2000.00} to receive a account bonus of {$250.00} and never received it.

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 2022-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was contacted several times back-to-back from a debt collector saying they were check and go. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lending Club Corp
State: TX

Complaint narrative:
I sent Lending Club a Cease and Desist in XXXX of 2021 instructing the company to stop communicating with me through any and all mediums. Lending Club has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop. I also sent Lending Club an Affidavit of Truth regarding this alleged debt which they have not responded to which implies they either can not respond to the allegations because it would be an admission of guilt and or expose their fraudulent activities.

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I believe that Specialized Loan Servicing LLC used misleading, abusive and harrassing tactics in an attempt to collect more than I owed under my policy. I typically pay {$1700.00} monthly on my mortgage, but they notified me in early XXXX that I owed {$30000.00} by XXXX XXXX due to purported outstanding escrow fees, even though my account was current. I repeatedly tried to point out the error via email and on multiple phone calls with my accountant on the phone with me. But instead of being helpful, customer service representatives yelled at me on the phone and told me that if I didn't pay {$30000.00} by XX/XX/XXXX my account would be in default and my home could be pushed into foreclosure. 

After many stressful days and sleepless nights, I liquidated my assets and pooled what little I had in my savings account to make the {$30000.00} in payment so that my property and home wouldn't be pushed into foreclosure. I also contested the company 's claims in writing that they were incorrect and bogus, and I complained to the company that they had used harrassing, threatening and what I believe were illegal tactics to try to make me pay far more than I was required to pay monthly under our contract. I made the {$30000.00} payment just before XX/XX/XXXX, but as a result, I have very little left to live on during a pandemic and uncertain times. 

The company eventually sent me a letter dated XX/XX/XXXX that they had indeed made an error and I owed nothing more than the {$1700.00} monthly mortgage payment, but it's too little, too late, and I want my money back so that I can be able to financially withstand the economic uncertainty caused by the pandemic. I also believe the company 's actions violate multiple provisions of the Fair Debt Collection Practices Act, and I'm entitled to recover the maximum statutory fine under it. 

As evidence, I've attached the XXXX XXXX letter ( titled " letter '' ) that I received from the company admitting their mistake in calculating alleged outstanding escrow fees. I also attached two notices ( titled " overdue1 '' and " overdue2 '' ) that I received prior to XX/XX/XXXX from the company claiming I owed the company escrow payments. I also attached a document ( titled " amount owed '' ) from the company, which claimed that I owed roughly {$30000.00} by XX/XX/XXXX, and a letter I sent the company ( titled " protest '' ) informing them that an error had been made and requesting all and any information related to my account. Additionally, I attached two XX/XX/XXXX documents from the company ( titled " statement1 '' and " statement2 '' ) that indicates the amounts I paid on the loan and the dates the payments were made.

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 2022-01-09 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
XX/XX/XXXX - Received a text from Chase Bank saying my account had been frauded and I replied YES. Received a call from Chase representative who walked me through how to get my recovered funds, which in turn frauded me out of XXXX through a XXXX feature on the online banking app I use. I had never used XXXX prior ever. I immediately called Chase and then drove to the local branch and reported this. I immediately went and filed a XXXX Police Report ( # XXXX ) As well as an FBI report and a FDIC report ( XXXX ). I have repeatedly called Chase and was just given a letter XX/XX/XXXX that they were not covering the fraudulent charges. A recent ( XX/XX/XXXX ) local news story ( XXXX XXXX : Here 's how to spot it and protect your money | XXXX ) showcased a XXXX XXXX XXXX whom had the SAME thing happen and Chase gave her XXXX back. How can the bank cherry pick who to give money to and who to not give money back to. I am XXXX and should have some protections and not be discriminated against because I am younger than this lady. Chase will not give me information on the receiving bank account and I have no way to recoup my money. I believe this IS and should be covered under Chase policy as well as Schedule XXXX of the XXXX. I tried to stop the transaction while in a " pending '' state and Chase could not stop it, which is not my fault. I contacted them within a minute of the fraud. I did everything a consumer should do to be able to get their money back.

1. How did the fraudulent text know I had a Chase bank account, what my phone number was and what my name was.

2. How did the fraudulent people know how much money I had in the bank to take XXXX. 
3. I believe Chase to be not only responsible but also hiding a data breach of some kind.

Company response to consumer: Closed with explanation