vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-20 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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2020-12-20 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:
I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX XXXX math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc
State: OH

Complaint narrative:
Complaint : My loan servicer MID AMERICA MORTGAGE accepted direct payments from the CARES ACT in a lump sum for my mortgage payments in the summer of 2020, then reported late payments to my credit file with the national credit reporting agencies in XX/XX/2020. 

The actions of my servicer were intentional causing serious financial hardship to me and my family during a National crisis. Because of the administrative actions of my servicer, my credit rating dropped to less than favorable, triggering a higher interest rate and closing costs to refinance. Now I can not afford to refinance. 

Mid America Mortgage accepted taxpayer funds, assuring consumers they would not harm their credit rating. They mislead consumers causing more financial harm to already struggling American families. 


I have made contact with the company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I sent a validation letter on XX/XX/2020 and mailed it certified. I tracked the letter and noticed that Credence received it on XX/XX/2020. On XX/XX/2020 I realized I had not received a response so I called to request removal of this negative remark on all three of my credit reports. The request was based on the Fair Credit Reporting Act, which says companies have 30 days to investigate disputes and if they can not verify the information within the 30 day time frame, they must delete all of the disputed accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20 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: PA

Complaint narrative:
I looked over my credit profile and noticed that there is a fraudulent account on my profile the following account below is fraudulent : TransunionXX/XX/XXXX Account number XXXX Date opened XX/XX/2016 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My credit report states that on XX/XX/2020 Syncb preformed a Hard Inquiry into my credit file. I do not recognized nor recollect ever authorizing Syncb to preform this action.

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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
This debt was written off in bankruptcy and is more then 15 year ago. XXXX XXXX was the original owner of the debt and it's now with a Collection company. I spoke with XXXX XXXX & they no longer have it on their collection record. I've been getting threatening collection calls from this company. I gave them my bankruptcy information and they refuse to take it off my credit 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 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
XXXX keeps passing the account around to different collection agencys with a XXXX dollar amount when I have a voice mail stating I owe XXXX which I dont I closed the account and XXXX left it open after I called and canceled my account. I am not responsible for XXXX mistakes!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
She apologized for my incovience. Said unfortunately unless i can prove i wasnt the peron who actually allowed credit checks etc..

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 2020-12-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The date 2020 yr to date. Experance is the score and company that need look for reasons of not updating my info/ score. My score is XXXX on the other two companies reported to. They are not updating my info right like the others.

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 2020-12-20 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: IL

Complaint narrative:
Recently I sent letters questioning the inaccuracies reported on my report by these 2 bureaus. These letters were sent over 45-60 days and I have yet to hear anything regarding what they have found. Its really upsetting because this is the SECOND time this year I've had to come to you guys because they have NOT been honest, accurate, or on time ever! Through this stressful long hard year in 2020 I have no other options I just want these inaccuracies removed so that I can move on to accomplish and succeed and not be looked down upon by these inaccuracies on my report. The rules are the rules and we can not continue to let them hold people back from the mistakes these credit agencies make. Please hear me out and act accordingly as since the 60 days has past and no response, these inaccuracies should be removed now!

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 2020-12-20 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: MO

Complaint narrative:
I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.

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 2020-12-20 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: MO

Complaint narrative:
I submitted a letter to the credit bureaus regarding the inaccurate things on my credit report, it has been over 100 days and I still have not received a response back. I feel like Im ignored and taken advantage of. Section 611 ( a ), states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand inaccurate reported late payments updated to payed as agreed or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting wrong address, in spite of telling them NOT to do many times. 

This is the wrong address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Prior to XX/XX/XXXX, Capital One listed one account on all three of my credit reports in Charge off status, as payments has ceased in XXXX of XXXX. I had initially attempted to engage with a debt consolidation company to help manage this account, but this was unsuccessful. In XXXX of XXXX, I called Capital One to discuss options to settle the account and remove the negative reporting from all three credit bureaus. At the time of our negotiations, the only negative report on this account was the charge off status. Capital One agreed to settle for less than the full balance and change the account status from " charge-off '' to " settled for less than full balance. '' Capital One sent letters to all three bureaus in XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. At the time of this complaint, XXXX and XXXX  continue to report my account status as charge-off and has only added a comment stating that the account was settled for less than the full balance - as such, this report continues to be reported to lenders as a charge-off account. Furthermore, XXXX  has added 4 late payments, 24 charge-offs, and 1 negative report to the account - as such, XXXX  continue to report to lenders 29 total negative reports in relation to this account, which is inconsistent with previous reporting, and inconsistent with the settlement agreement between Capital One and myself. I contacted Capital One, XXXX  and XXXX in XX/XX/XXXX, which led to Capital One sending a letter to all XXXX agencies dated XX/XX/XXXX requesting the remove of the negative reporting. I contacted Capital One, XXXX  and XXXX in XX/XX/XXXX, because the negative reporting remained, which led to Capital One sending a letter to all 3 agencies dated XX/XX/XXXX, requesting the remove of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been dealing with this false unauthorized debt of XXXX XXXX since 2017. I have sent numberous disputes with the credit bureaus. I have contacted XXXX wireless myself and have gotten no progress. I have reported this as identity theft ever since my personal information, passport, social security number, passwords and all my personal information has been compromised. This has been a ongoing issue as I ha e no knowledge nor did I ever open a. Account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I see multiple 90-120 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 explanation
Consumer complaint received 2020-12-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I sent letters questioning the inaccuracies reported on my report by these 2 bureaus. These letters were sent over 45-60 days and I have yet to hear anything regarding what they have found. Its really upsetting because this is the SECOND time this year I've had to come to you guys because they have NOT been honest, accurate, or on time ever! Through this stressful long hard year in 2020 I have no other options I just want these inaccuracies removed so that I can move on to accomplish and succeed and not be looked down upon by these inaccuracies on my report. The rules are the rules and we can not continue to let them hold people back from the mistakes these credit agencies make. Please hear me out and act accordingly as since the 60 days has past and no response, these inaccuracies should be removed now!

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 2020-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX account was hacked. 3 credit cards on file were compromised ( 2 cards were mine, one belonged to my father ). I noticed unauthorized charges on my 2 cards, reported them to fraud divisions at Citibank and XXXX, cancelled the cards and closed my XXXX account. I also recently filed police reports and a report with identitytheft.gov. 
My Citibank Diamond preferred card had 2 unauthorized charges on it, one for {$420.00} and one for {$410.00}, both made on XX/XX/XXXX. 
According to XXXX, the merchandise was delivered to my home on XX/XX/XXXX, therefor Citibank closed the case and did not reimburse me or investigate any further. I DID NOT make the 2 purchases, nothing showed up on my XXXX account showing these purchases, and NOTHING was delivered to my home ... I DID NOT receive any merchandise. 
Upon speaking with XXXX, they revealed the first name of the person who made the purchases. It was not me or anyone I know. I have an email from XXXX confirming that this purchase did not come from me or my account. Citibank is ignoring this information and is holding me responsible for the charges because a delivery was made ... but obviously intercepted by the thief who stole my card.

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