vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 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: MI

Complaint narrative:
On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX, XXXX, XXXX  XXXX and XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Update Experian report XXXX XXXX XXXX XXXX, XXXX XXXX IQD paid in full XX/XX/XXXX Account # XXXX {$590.00} IQD paid in full XX/XX/XXXX, Account # XXXX {$550.00} IQD paid in full XX/XX/XXXX, Account # XXXX {$2300.00} No judgements and No Eviction satisfied debts clear rental history The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed on XX/XX/XXXX XXXX XXXX XXXX closed on 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 2021-12-08 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX instructing them to remove this account from my credit report. They still have not removed. This account is not mine. I am not responsible for this account. Account is XXXX XXXX. Again this is not my account, I am not responsible for this account, I have been removed from this account and now I need this account removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
As of XX/XX/2021 I have attempted over XXXX times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a 1. FTC Identity Theft Report 2. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i have 1 closed and 2 open credit cards with XXXX XXXX and want these to re-inserted into XXXX and equifax today. pleaSE FURNISH ME LETTERS OF INSERTION FROM BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I checked my credit score and noticed that I had a collection that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
I checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them

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 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm was financing, at 0 % my XXXX tread. On XX/XX/XXXX the tread was picked up by XXXX according to their recall process. On XX/XX/XXXX affirm issued a partial refund back to my bank account where payments were debited from. When I did not receive a full refund I checked their FAQs and found that any payment made greater than 180 days ago would be issued by check. It did not quote a timeframe so I tried to find a phone number to contact them with my address change, and get an eta for the check. There was no phone number and when I tried to utilize their online portal, it just kept looping to canned responses about waiting for my refund. I had to comment via social media to get their attention. I was contacted via XXXX on instagram. I had several conversations there, and since I was provided a phone number, I also contacted them to change my address. Then again to inquire about the status of my refund when I did not receive it timely. I will attach screenshots of our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A validation letter was sent to Chase in regards to alleged debt. In that letter i, the consumer, was requesting validation of this debt which is provided as exhibit A. The response i received from chase to validate alleged debt was a copy of billing statements which is provided as Exhibit B. 15 USC 1692g states ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

The billing statement that was provided contained 15 usc 1692g ( 1 ) and 15 USC 1692g ( 2 ) but did not contain any of the other requirements that need to be provided to validate a debt. They are in violation of 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ) and 15 USC 1692g ( 5 ). 

In exhibit B, the billing statement show that Chase is currently in violation of 15 usc 1692e ( 2 ) ( a ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; After reviewing the billing statements you can see the balance is a positive balance. If there is a debt owed the account should show as a negative balance as a consumer can not pay on a positive balance. This is a false representation of the amount of alleged debt and chase is currently in violation. 

Due to the amount of violations and inability to validate the alleged debt i demand that account balance be XXXX 'd out, removed from all credit reporting agencies and attached invoice paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I attempted to apply for a CapitalOne checking account. I was prompted by the system that something went wrong. I was invited to apply again. After several unsuccessful attempts I finally called CapitalOne. 

I was told that I had actually been denied an account. There was no explanation as to why. I did not receive any communication from CapitalOne as to what consumer reports were used in the decision. I was told the decision was final and there was no further information available other than that I've been denied an account. 

I was also told that I am not entitled to know why I was denied an account, but without that information, how can I dispute any inaccurate or outdated information? I was told this stemmed from an account in XXXX. That seems outdated, but again, I was told I could not be furnished this information. 

I'd like my rights under the FCRA respected. 

I was not told what information was used against me in this decision. 
I was not told which consumer reports, if any, were used in this decision, meaning I can not request a free copy of any reports used. 
I was told I did not have a right to know what's in my file ( e.g., what information/accounts CapitalOne was referring to ), only that the decision was final. 
Again, I can not ask for a credit score, because I do not know what consumer reports were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: GA

Complaint narrative:
As of XX/XX/2021 I have attempted over 6 times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a XXXX. FTC Identity Theft Report XXXX. Identification XXXX. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : 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 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance is operating in fraud and performed an illegal repossession on my property. Hyundai Motor Finance sent a 3rd party company to my private property and stole my car. Hyundai Motor Finance is in direct violation According to Federal Law 15 USC 1692e ( 4 ) - which states the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment or sale of any property or wages of any person. Furthermore Hyundai Motor Finance does not have any legal security interest in the vehicle they repossessed/ stole from me, according to the XXXX search attached below there is no legal lien of any kind on my name. Furthermore Hyundai stole my vehicle and my personal property inside of my vehicle with a value of {$250000.00} and gave me no way of retrieving my personal items or getting my property back. Furthermore I asked Hyundai Motor Finance for debt validation on XX/XX/2021 and received by XXXX on XX/XX/2021 in which they did not validate the debt thus defaulting, I sent a default and opportunity to cure notice on XX/XX/2021 and received on XX/XX/2021 in which Hyundai Motor Finance did not respond. I sent a default notice on XX/XX/2021 and received XX/XX/2021 in which Hyundai still has not responded. I have evidence and receipts for all of these mailings in which everything was sent via Notary Presentment.

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 2021-12-08 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: GA

Complaint narrative:
I checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: NY

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
For months I been contacting XXXX to removed derrogaroty remarks out of my credit report. I own Target credit card with TDBank for XXXX years or more, before covid started I put myself behind, NEVER in XXXX years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for XXXX months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with XXXX the cpllction company target used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to Target that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to TDBank , the XXXX credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by XXXXTarget XXXX XXXX XXXX on XX/XX/XXXX transaction XXXX of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/2021 {$800.00} was sent to my CashApp account. 

When I attempted to log in I was unable to access the account. After speaking with customer service they advised me to set up a new account and then they would be able to assist. 

Using the same phone number I created a new account. However, I still can not access the funds from the original account and customer service will not respond. 

There are now two accounts set up with the same phone number, one of which has {$800.00} I can not access. 

I am unable to speak to an actual person as they will only respond via an automated chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
Im a victim of identity theft and these Are the inquiries that occurred from the theft XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Account was hacked with Bank of America. Fraud/Scam within the same hour of the same day. {$300.00} via XXXX XXXX and {$3000.00} via XXXX XXXX Bank of America. I called Bank of America when I realized what happened. I asked for the payments to be stopped and I reported the case. This was in XX/XX/2021 ( I think XX/XX/2021 ) Bank of America opened the case but never opened a new account for me or issued a new card. Nothing. Finally after calling every few days or sometimes days in a row and speaking with several different managers they say they will issue a provisionally credit on XX/XX/2021 in which they did not do and said that it was authorized from my phone. I expressed that my XXXX XXXX XXXX  can not operate a phone in that manner. I did not authorize. They then denied the claim on XX/XX/2021. I then resubmitted and have since had several calls from scammers saying they are Bank of America and XXXX and asking me to verify my information. The bank has not given me any of the funds back as they said they cant retrieve them. They said this was done from my device but there is no way. I have now reported this with XXXX in the event that my device had been hacked. 
I still have an open investigation with local authorities as well. 
Im out {$3300.00} that was in no way shape or form authorized and Im completely devastated that a bank does not have insurance to cover situation like this in order to return the funds to the rightful owner.

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