vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have disputed with Experian about incorrect address information XXXX 2020 and they returned with information on XX/XX/2020 that my information has been verified. This information is not a verified by human eyes or hands. Experian is using E-Oscar to verify old addresses. I have already submitted information to Experian showing I live at another address which is not associated with my address. This erroneous information on my personal information on my credit report effects getting loans and getting a home loan I was told this makes my history of residence look like a jumper and they can't tell if I have permeant address.

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 2021-01-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I mailed a dispute letter to XXXX. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, XXXX  failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. XXXX  's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to XXXX  on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. XXXX  mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. XXXX engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-03 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: PA

Complaint narrative:
Some one used my personal information obtain credit from, XXXX XXXX  XXXX XXXX  XXXX XXXX, obtained by someone who stolen my identity, Fraud account

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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to XXXX that the debt was not mine, XXXX agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, Jefferson Capital - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I cosigned a car loan for my sister in XX/XX/2020. I had an excellent credit score so XXXX XXXX XXXX switched our Social Security numbers and put my sisters Social Security number under my name and my Social Security number under my sisters name on their forms. As a result XXXX  is now reporting my identity as formerly known with my sisters name as my former identity. What Nissan did was unconscionable. XXXX XXXX Nissan fraudulently misrepresented information by putting me on the loan as the primary applicant instead of a co-signer. They also fraudulently reported that my sister and I were one person ( an AKA identity ) This has caused my XXXX  credit score to plummet 100 points. I have made several efforts to contact Nissan. I spoke with XXXX ( Nissan employee ) as recently as XX/XX/2020. I then spoke again with XXXX XXXX ( Nissan employee ) on XX/XX/2020. On both occasions they admitted to the error but have not rectified the problem. On XX/XX/2020 I called Nissans corporate office and filed a formal complaint. They reached out to XXXX XXXX Nissan who promised once again to rectify the problem but true to form, they never made any attempt to rectify the issue. This has caused me financial problems with regards to my ability to transact business. Im a XXXX XXXX and this has affected me adversely. So far XXXX XXXX Nissan has made no effort to rectify this problem that they created. They continue to give me the runaround and make promises to fix the problem without any intention of ever doing so. Their refusal to rectify a problem they created leads to the obvious conclusion that they knowingly committed fraud by falsifying vital information in order to benefit financially. A conversation on XX/XX/2020 at XXXX with the owner of XXXX XXXX Nissan, XXXX XXXX once again yielded nothing. Mr. XXXX called me and attempted to to act like he had no idea what his company had done. He asked me to forward documents which I promptly emailed to him immediately. Of course Ive never heard back from him after sending him the proof and at this point, I really didnt expect to. I believe from our conversation that as the owner Mr. XXXX XXXX is fully aware of, if not party to his companys fraudulent actions. XXXX XXXX Nissan did something criminal by falsifying information on a loan application and thereby committing identity theft. As a result of Nissans fraudulent actions, my credit score plummeted, dropping by more than 100 points and negatively impacting XXXX XXXX and my personal life in numerous ways. The fraudulent actions taken by XXXX XXXX Nissan has caused me immeasurable stress and anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Hello. This is a report for exceter finance. I reached out the week of the nationwide lock down. To the finance company stating if they had any Covid 19 payment plan or what they can offer for customers during the pandemic. The representative i spoke to stated they had nothing. They didnt offer to push back the payment. They didnt offer payment arrangements. Reached out again in XXXX, same issue same statement. No assistance to the customers. I reached out in XXXX due to researching most car financial companies are reporting late payments caused by a natural disaster. I spoke to a representative and they stated i was eligible for a push back in 2 payments. The last representative failed to notify customers. I filed a dispute with credit bearu due to the companies inaccuracies and the credit reporting stating i was late and fail to notify customers what they could do during the pandemic. Many companies didnt report to the credit bearu and the two late payments i have are now affecting me and others from what i discovered this company did this to many of there customers. The only late payments i have are from the pandemic and they declined to remove them. The presentative stated it was the last two people i spoke to failed to assist and now my credit is on the line

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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:
Spite years of efforts both XXXX  and Experian have been impossible for me to upload identity theft victim documents through their portals. Although I understand they're apprehension I'm entering my complete information every time and it then does not allow me to dispute and correct information due to identity theft or fraud and that just can't happen. Since the XXXX  leak in 2017 my credit has gone up and down like a roller coaster due to identity theft and I'm involved in the class action lawsuit for more than XXXX in damages with 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 2021-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal.com sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to Paypal that the debt was not mine, Paypal agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, XXXX XXXX - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There were significant delays in receiving my EDD BofA Debit Card which were not my fault. Due to these delays, I had to apply for an emergency cash transfer from XXXX XXXX. This is a state service, just because it is privatized out for management does not mean that XXXX XXXX XXXX and other due process rights dont apply. Instead of sending any kind of notice, XXXX XXXX told me to just call a bunch of times to see if it had been processed. My first transfer was denied, apparently, no reason given. My second was approved, but they did not communicate with me that I would also have to call to check for approval. I was entitled to both a denial and an approval notice. 

Secondly, I dispute the {$15.00} fee that was imposed for this emergency cash transfer. While the fee notices are posted, I dont see any info on how to dispute this deprivation. For {$15.00} I should at least get notices.

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 2021-01-03 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: IA

Complaint narrative:
Each XXXX for the last XXXX years I have tried to get my Credit Report from Equifax and I always get to the same result. Online Delivery Unavailable is the response I always get and it says that I have to get it by mail. I go through the same procedure and have excellent and easy online results from XXXX and XXXX  but Equifax will not get me my report online. Why is this? I found online that others have had the same result. 
What is going on? What should I do? I don't like sending sensitive information in the mail to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
So I put in a request to close my checking account with Chime on XXXX XXXX and was advised it would take up to 12 hours. Well after the 24 hours I contacted the company and they did not reply so another 24 hours later I contacted them again with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-01-03 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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