vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXXT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
Hello, I am the principle owner of XXXXXXXX XXXX XXXXXXXX. We are an online seller of skull rings and jewelry. We recently had a claim from one of our former payment processors, First Data now owned by Fiserv, that our account experienced " Laundering '' activity. This has apparently been happening to several businesses according to the company that helped us obtain processing. We believe this is a generalization made with no solid evidence of " laundering '' activities as they shut down processing for several businesses in a very short time frame. We have no form of laundering as we are an online retailer that sells rings to customers located in the United States. We would like for this judgement of our activity to be removed from our history as it is impacting our ability to obtain additional processors. We stand behind our business and have done no act of laundering. Please help us remove this illegitimate claim from our reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

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 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
XX/XX/XXXX To Whom It XXXX Concern : I have submitted a dispute on a Debt with my Primary Care Physician who does not have any record of this debt. The reporting group is the Financial Credit Network of XXXX XXXX. I challenged this debt and believe it to be fraudulent and all I received back from XXXX was the debt was confirmed. 

All documents related to this issue are attached. 

This is either a fraudulent charge or a debt from long ago that I am unaware of but I want this investigated fully. If it was my debt I will pay it or have my insurance pay it. I do not believe that to be the case. 

Additionally, the dates of service are constantly changing on this debt, which makes no sense other than to be deceptive. If it is XXXX debt, the date should remain the same. I have never talked to this group or company. 

Why do I make this claim of fraud ; all I can see is that this debt is from XXXX XXXX, which has been my primary care physician and has been since XXXX. I live in a small town and we have XXXX hospital, XXXX XXXX and everything goes through them, they have always been fantastic for me and my family 's healthcare needs and I have friends and family who XXXX XXXX XXXX This is a very serious issue for me. 

My medical insurance is XXXX, it is state-sponsored and I have no deductibles, all my medical expenses are paid 100 % and this enables me to NOT have any medical debt of any kind. This can not be an actual medical debt of any kind or it would be 100 % covered. 

Please find attached my XXXX XXXX card, I have been under XXXX since XXXX and remain so to this day. 

If this is a real debt it would be covered under my policy. 

I want to see the original hard copy of this debt, the dates service was received and for what and why this was not addressed by XXXX  with my dispute. XXXX is a serious issue and I demand to see what this accusation is about. And, if it were an actual debt I would want to get it resolved immediately! 

XXXX XXXX has all of my insurance information, if this debt was real, they would have no problem receiving payment from me or the XXXX of California. I want to get this resolved and I feel I am either being scammed or this is a fraudulent claim. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
not updating credit score fast enough just paid off mortgage and the score hasnt changed at all will the other bureaus have change Equifax is worst I have ever seen. They dont respond to communication and no response at all to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
As I stated and outlined in my previous Affidavit of Truth which I attached to my previous CFPB complaint about Early Warning Services , LLC. This fraudulent and illegal organization is attempting to be deceptive with their responses, delays and tactics. Not only have they continually broken federal laws by violating my cease and desist letter. EWS is purposely deflecting and lying by stating in their recent correspondence that they are in receipt of my disputes. I never included any dispute in my last official communication with them which was my Affidavit of Truth they received and signed for on XX/XX/2021. I only included my demands within my remedy which is my right as the federally protected consumer and natural person. They have said they are declining my request to pay my invoice which is deceptive and false once more. My invoice was not a " request '' but rather a demand pursuant to federal law. All details of this issue at hand have been included in my first Affidavit of Truth and my second one attached below. In my second Affidavit of Truth attached below in which I have updated my invoice to reflect all of Early Warning Services , LLC violations of federal law. This includes all the ones I initially missed and all their federal law violations over the last five weeks alone. Any questions they could have about their illegal wrongdoings are all clarified in both my Affidavits of Truth. They received and signed for my second Affidavit of Truth on XX/XX/2021. This is officially my second step I have taken in my private administrative process with Early Warning Services , LLC. Forward my Affidavit received today to all senior executive leadership and your legal team. I am giving EWS a chance to resolve all their flagrant violations of federal law by delivering my outlined demanded remedy. I have again not made any " disputes or request '' in my second Affidavit of Truth but only demands as is my right by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Misinformation has been placed. Account information, comments are incorrect, please investigate remove from account immediately. 

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Type : Credit Account number : XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Type : Credit Account number : 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collins Asset Group, LLC
State: NJ

Complaint narrative:
An account in my name was referred to a 3rd party collection agency. I presented the company with a police report, and a FTC complaint, and now I'm filing a report with the CFPB because it has yet to be handled. 
I advised the address they have on file is not an address I'm familiar with. I provided a copy of my License as well, and I still got no response. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
I received my annual escrow statement from Flagstar bank in the mail on XX/XX/XXXX. The date of my escrow analysis printed on the mailing was XX/XX/XXXX. This statement said they had found a shortage of escrow funds in the amount of {$500.00}. 

I found this shortage to be caused by Flagstar Bank making the required XXXX tax payment of {$1000.00} and the insurance payment of {$360.00}. The tax was previously paid in three installment payments due in XXXX, XXXX, and XXXX. This time, the tax was paid in full in XXXX. This tax payment and the insurance payment brought the account down from {$1000.00} to a negative balance of ( {$370.00} ). If the installment payment was made as in previous years, the account should have only been charged {$270.00} for taxes and {$360.00} for insurance both due XXXX of XXXX. This would have left the escrow account with a balance of {$440.00}. 

Upon calling Flagstar Bank customer support on XX/XX/XXXX, I spoke with three customer service representatives. One from Flagstar Bank 's tax department and two from Flagstar Bank 's escrow department. I relayed my above explanation to each representative. Each representative was confused by my explanation and I asked each to investigate the situation or send me to someone who might be able to help. During this call, I was told false information by the last two representatives. I was told that my previous loan servicer did not hold funds in the escrow account to cover the costs of insurance and taxes. This is untrue because if the tax payments were made by Flagstar in three installment payments required by the County, the account would not have gone below {$400.00} as stated above. I was also told that my taxes had increased and that was the reason for the shortage. This is untrue because the previous three years have had tax decreases for the property. I was told someone would call back once they had a chance to review the account. 

On XX/XX/XXXX, I received a mortgage statement from Flagstar by mail. This statement reflected the increase in escrow payment necessary to cover the supposed shortage for next months billing. As of one week later I still have not heard anything from Flagstar regarding this matter.

Due to these conversations, I believe Flagstar to be grossly negligent in their handling of escrow account funds. I believe that they, through the use of the aforementioned error, are attempting to increase funds available in escrow beyond the legally allowable amount. This may cause consumers undue financial hardship while dually benefiting Flagstar Bank.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
Concerning CFPB complaint XXXX LexisNexis admitted that I filed disputes about incorrect information on their consumer report containing information about me. LexisNexis stated that disputes were filed XX/XX/XXXX. This dispute was directly related to an identity breach and social security variance that was addressed with LexisNexis as well as all other credit reporting bureaus. XX/XX/XXXX it was discoverd that the disputed items were not deleted by LexisNexis as asked and my request to " Cease and Desist '' ( OPT OUT ) of the sharing of my information was not granted per my rights under FCRA. XX/XX/XXXX and XX/XX/XXXX corespondence sent certified mail to LexisNexis were subsequently ignored and no resolution to innacurate data was accomplished only letters that stated " they could not verify identity '' even though clearly legible copies of both state issued drivers license and social security card were sent with each certified mail corespondence. LexisNexis stated in its last complaint response that they mailed a Consumer Disclosure Report ( LNCDR ). No such report has ever been mailed to me. I have sent affidaivts and identity information in order to remove incorrect address and public record information pertaining to me as per my rights under FCRA. LexisNexis has been asked several times to : 1. Give me a description of the procedure used to determine the accuracy and completeness of disputed including the business name and address, and telephone number of any furnisher of information contacted.They have refused each request. 
2. To furnish notification of the deletion of disputed information to any person or company whomever has received a LexisNexis consumer report. XXXX has refused. 
3. To " CEASE and DESIST '' sharing of my personal information with ANY third party ( OPT OUT ) because they DO NOT HAVE MY CONSENT to compile or share this information. LexisNexis has refused. 
At this time XXXX is in direct violation of my consumer rights under FCRA.

Company response to consumer: Closed with explanation