vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: OH

Complaint narrative:
I have reached out to both XXXX XXXX XXXX XXXX and EQUIFAX about the fraudulent account opened XX/XX/XXXX Account number XXXX on my Equifax credit report. This account was FRAUDULENTLY OPENED AND NEEDS TO BE BLOCKED AND REMOVED! 

I have sent Equifax and the furnisher, XXXX XXXX XXXX XXXX a notarized Police report, Federal Trade Comission Identity Theft Affadavit and supporting Identitfcation documents along with a formal request for deletion of this account and a fraudulent credit inquiry ( XXXX XXXX XXXX XXXX XXXX 

I DEMAND FOR THIS FRAUDULENT INFORMATION BE BLOCKED AND REMOVED FROM MY CREDIT REPORT BECAUSE IT IS HINDERING MY FINANCES AND LIFE! I AM A VICTIM OF IDENTITY THEFT AND AND REQUESTING ASSISTANCE IN FIXING THIS PROBLEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company PHH mortgage provided mortgage services to my account but was never the lender or owned my mortgage. Phh mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but phh mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is a third party debt collection company that continues to furnish medical debts on my consumer report. Also they continue to contact me about this alleged debt from various phone numbers which is harassment and abuse. I do not know whom this company is, and I have no legally binding contracts with them. I sent them a letter to validate this alleged debt on XX/XX/2021 and I still have not heard anything but I did receive a return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
I originally applied to XXXX XXXX for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX XXXX provided mortgage services to my account but was never the lender or owned my mortgage. XXXX XXXX is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX XXXX is also reporting the exact same information which is correct but XXXX XXXX XXXX need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

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 2021-09-15 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:
I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: NY

Complaint narrative:
I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX  mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

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 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I filed a complaint on XX/XX/2021 and have yet to hear from the company. Citi Visa has not paid me what is owed to me, as I made a balance transfer of funds, to pay my account in full, but they owe me {$140.00} and change. I am still waiting for the check They made the choice, on their own, to close out my Costco Account. I have made attempts, to clear up their misconstrued account of events, but they don't listen. 

I want my money. They know they owe me, but won't pay, even though they have been paid in full. I paid them {$1500.00} when I actually owed them {$1300.00}. I could not find out what I did owe, as they closed out my internet access to my account. 
So, now they just let that sit until it reaches {$1500.00} ... and not pay me the difference. 

A bad company to do business with. No customer service, you can't get a live person on the phone. Citi Visa.. don't do business with 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 monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: CA

Complaint narrative:
I bank with chime and they have a referral program that if you refer a friend you and them receive {$100.00} dollars. I sent my friend a link from the bank app on XX/XX/XXXX than me and my friend sat down together and I helped him set up his account from the link I helped him set up his direct deposit from the VA. His account was set up and he received a direct deposit of over {$600.00} in his account on XXXX XXXX we waited for a few weeks and never got the bonus so we called they said he did not sign up using the link that was sent to his phone even though I sat with him and made sure we clicked the link because I had already had that happen before. and I tried getting them to fix it but they said because on their end it did not show he had signed up through my link we don't get the sign on bonus. the bonus was the big reason he was even signing on for the bank. they made it seem in the emails that I received he did use it but did not get a deposit of {$200.00} or more direct deposit or more in the account in 45 day. and then when I said he did they changed it to He didn't Use the link. and when I tried to talk to someone at the escalation team they told me to call a number and when I do they tell me they will send my info to the escalation team and it is just a circle that does not fix the problem. also when I wanted to get employee info so I could reference everyone I was talking to one of the managers would not give me her Employee number so I couldn't reference her showing who was not the one dealing with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: LA

Complaint narrative:
A review of my Equifax Credit Report revealed several unauthorized credit inquires.

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that Equifax provide said written proof that I authorized the below listed Hard Inquiries that you are reporting.

1. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is on an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
2. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
3. XXXX XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
4. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
5. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit is attempting to collect a debt for which I do not owe. Furthermore Sunrise Credit never took any action to reach me about debt claims prior to destroyiing my credit report. Moreover they continue to report this account every day to the credit bureaus. Ive disputed with XXXX however they have not done their due diligence and have failed to remove this from my credit report. 

XXXX is Wrongly charging me for a closed account that my ex husband is responsible for, furthermore the amount they are attempting to collect is not correct and thus Sunrise Credit is reporting incorrect, invalid debt and it needs to be removed at once.

Sunrise also has continued to harass me with phone calls during the dispute process which goes against the fair credit reporting act.

Im attaching the following receipts that prove the equipment was returned and any amounts charged are incorrect I refuse to pay this debt and want all communications to cease.

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 2021-09-15 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian re : XXXX XXXX XXXX. 
I contacted Experian on XX/XX/2021 to begin a dispute against the above Collection Agency. The dispute is stating that XXXX XXXX is reporting inaccurate information. Based on FCRA, the DOFD that must be reported is date of delinquency. The Collection Agency illegally re-aged the account and committed a serious violation. Attached are copies of my dispute results from Experian along with copies of the communication received from XXXX XXXX XXXX verifying the CORRECT dates. I previously called XXXX XXXX XXXX and was told that I had to write a letter and mail. I am an unvaccinated person and don't really go out to Post Office and this was an undue burden for me. The person on the phone was rude and unwilling to cooperate although I have the PROOF of the inaccuracy.

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 2021-09-15 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: Bread Financial Holdings, Inc.
State: MA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am just struggling to pay my bills since this COVID virus out break and i am on XXXX and living alone myself just to made my ends meet. the Loan place keeps calling me every day i had a naught of it so i had my number change but they are a called my aunt number and harassing her. The loan names is Credit Central Loan gency in XXXX, Alabama i just own {$400.00} dollars my payment {$64.00} a month if try to explain them im the only one living in this house and pay my high price Electric Bill and about 15 others bill to take care of myself. And now everything is in a mess. I've try to tell them if i have extra money left over from paying my bills i will pay them. But also i have alot of people told me about Credit Central they will Harassing you to death. And them lied about or some issues! im getting tired of this please send a letter or something to them to quite calling my aunt and family members and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXX XXXX to end date. I received statement with {$6500.00} overdraft from my account. I reported Bank of America about that she I don't remember her name ask me about the dates were took it the money and she told had been cancelled my card and she reported everything the money was took it from me.XXXX {$1000.00} XXXX {$1000.00}, XX/XX/20 {$1000.00}, XX/XX/20 $ XXXX {$1000.00} than XX/XX/20 took me 10 times of {$100.00} was another {$1000.00}. Last XX/XX/20 {$500.00}. Total took {$6500.00} still paid on fees {$20.00}. My Accion I called them to report what happened. Bank of America representative told me not to do anything else had been reported to fraud department. And I'm gon na received another card for replacement.

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 2021-09-15 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: PA

Complaint narrative:
I noticed multiple inquiries on my credit report I do not recognize

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 2021-09-15 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: MD

Complaint narrative:
All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX XXXX XXXX . dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX XXXX XXXX . ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

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 2021-09-15 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: Navient Solutions, LLC.
State: MA

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

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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:
Multiple times since last year I have been dealing with the three major credit bureaus that deal with reporting credit reports and scores. Since then, I have been filing a dispute due to multiple fraudulent activities were taken against me because I was a victim of identity theft, and my personal information was compromised. During that time, identity thief ( s ) used my information to obtain benefits and services from the listed creditors in this attachment that have been impacting my credit score negatively. The credit bureaus have not been doing anything regarding this issue and only stalling my request. I sent official documents from the Federal Trade Commission and everything they requested. Yet, the credit bureaus kept stalling and denying the fact that they have my documents. The incompetency of their work is affecting my and every other consumer 's financial credibility which they are ought to protect and report accurate information at all times. The listed accounts do NOT belong to me and it is the work of an identity thief.

Company response to consumer: Closed with explanation