vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I write in an effort to request dispute, suppression, block and removal of all fraudulent accounts on my credit report. I just found out that someone used my personal and financial information without my permission to buy things with credit cards, get new credit cards in my name, obtain auto loans and other kinds of loans. The identity thieves have used my name, address and Social Security number to open fraudulent accounts. 
Following my awareness of the fraudulent accounts, I completed an identity theft report. The identity theft report is attached hereto. Specifically, the referenced accounts are fraud and the results of me being a victim of identity theft. Thus, it should be blocked from appearing on my credit report. 
Please take notice that my credit report shows erroneous information as for as names, addresses, phone numbers and employers are concerned. 

The fraudulent accounts are as follows : 1 ) XXXX  XXXX XXXX  / {$560.00} 2 ) XXXX XXXX XXXX / {$14000.00} 3 ) XXXX XXXX XXXX / {$14000.00} 4 ) XXXX XXXX / {$2900.00} 5 ) XXXX XXXX {$5100.00} 6 ) XXXX XXXX, XXXX / {$9100.00} 7 ) XXXX XXXX XXXX  / {$300.00} 8 ) XXXX XXXX XXXX / {$280.00} 9 ) XXXX XXXX XXXX / {$10000.00} 10 ) XXXX XXXX / {$1100.00} For the foregoing reasons, this is a request to remove, suppress, block or dispute these unauthorized accounts inquires quickly. 

Again, I did not originate these debts. Also, I did not approve for any of this information to be furnished.

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 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. ENHANCED RECOVERY CO L, Original creditor : XXXX XXXX, {$110.00} 4. ENHANCED RECOVERY CO L, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account, XXXX XXXX # XXXX ...., is reporting 3 different Last Date Active. 

TU reports XXXX XXXX  reports XXXX XXXX  reports XXXX This is in violation, and needs to be removed immediately from all 3 credit bureaus.

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 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am XXXX XXXX, my phone number is XXXX. Last XX/XX/2021, I booked a ticket at XXXX. When I placed my booking, I paid it with Affirm. After paying it, there was a prompt in that said, this rate change from this amount to this amount. The new amount was HIGHER. I did not confirm the booking. I tried it several times but still there was always a prompt after paying it that said, this fare had changed rate. Which is always higher from what I selected. Affirm can see it in there system that there was an incident that I have several loan request that day. Unfortunately, even I am not confirming the new rate, the booking went through as per XXXX. But at this moment, I am disputing this loan to XXXX. I told them that they should never have a booking be paid first then after that they will change the rate. The dispute with XXXX  is ongoing. What I am requesting with Affirm is a little consideration. Considering this loan is still on dispute, I am asking them to PAUSE the payment. I am a family woman, I am the only one working for my family. My husband takes care of my daughter XXXX y/o daughter in XXXX. Then right now, I will be going back to XXXX this XXXX to get my daughter. I paid almost {$3000.00} right away from our tickets. Then I need to be quarantined in hotel where I will be paying too. My son just graduated too from XXXX XXXX that I spent some too going to Oklahoma. I am financially stuggling right now then Affirm is insisting me to pay something that I never confirm due to being unfair of process of XXXX. All I ask is for them to pause the payment. They said, they stand with merchant side. Even the merchant is unfair? I hope in case a loan that posted in Affirm and a customer dis not availed it and only went through due to lapses in merchant system, I hope in this case there can be a consideration to pause a payment. It is totally unfair to customer who dis not even avail the service the are oblige to pay. All I am asking to Affirm is a consideration. Please help me in this concern because their policy is not fair being one sided and the customer suffer a lot. Please consider the cry of customer. They are asking me to pay a loan I did not use. And they are on the side of Merchant that deceive a customer by giveng a lower fare rate then at the end of payment they will increase the rate. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: MO

Complaint narrative:
My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  5. XXXX XXXX XXXX XXXX  {$6400.00}

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 2021-06-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked 2 rooms at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) on XXXX for my family. The reservation was under my father 's name of XXXX XXXX and we paid using my, XXXX XXXX XXXX, Chase credit card. The hotel stole my, XXXX XXXX 's, credit card information when we were paying for our 2 hotel rooms. They used my credit card and charged me an additional {$2200.00} for someone named XXXX  XXXX, who stayed at the hotel for 20+ days. Immediately when I saw the charge I called and spoke to the manager at the hotel, XXXX, who told me there was no charge under my name of {$2200.00} or any other charge as such. Later when he was on a recorded line with my credit card company, Chase, as they were doing a fraud investigation he admitted he found a charge of {$2200.00} under a man named XXXX  XXXX. I do not know who XXXX  XXXX is and how the hotel was able to get access to my credit card information to charge another guest as my credit card never left my possession. Per hotel receipts, XXXX  XXXX checked into the hotel at XXXX XXXX  on XX/XX/20 and our two rooms under XXXX XXXX were checked in at XXXX XXXX  and XXXX XXXX, 10 minutes after XXXX  XXXX checked in. The hotel insists that my card was used to check in the reservation under XXXX  XXXX but that is not possible as he checked in before us and there is no CCTV footage or proof of signature that I authorized my card to be used to check him in. My card never left my possession through this entire process. I have filed a police report against this hotel and XXXX XXXX as well. My credit card company, Chase, has closed the fraud investigation twice without contacting the hotel or providing any proof of signature. They keep saying my card was inserted into the chip reader but have not pursued any investigation as to the fact that the bill is for someone I do not know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
This account, XXXX XXXX # XXXX ...., is reporting 3 different Last Date Active. 

XXXX reports XXXX Experian reports XXXX XXXX  reports XXXX This is in violation, and needs to be removed immediately from all 3 credit bureaus.

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 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Date of last activity appears incorrect across both of my CLOSED XXXX XXXX accounts. Remove immediately due to inaccuracies.

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 2021-06-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Date of last activity appears incorrect across both of my CLOSED XXXX  XXXX accounts. Remove immediately due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Demand for past due payment started about 7 years ago. 
We always pay our bills and we had in excess of $ XXXX per year for several years. 
They refused to supply itemized accounting of who was owed. 
They continued to send demand letters, would not provide info on phone, and now call me about once a week. 

In XX/XX/2021, I sent them a Cease and Desist " Certified '' letter per the Fed Debt Collection laws and they continue to call me and my daughter who is not responsible for my affairs. 

Harris & Harris Ltd. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: GA

Complaint narrative:
Credit bureau was contacted via mail on XX/XX/2021, XX/XX/2021, and by phone on XX/XX/2021. I requested that they provide their method of verification for a bankruptcy listed on my credit report. They have not responded at all to the letter mailed on XX/XX/2021. I resent the same letter on XX/XX/2021 and still have not received a response. On XX/XX/2021 I was able to reach a rep on the phone who told me that they do not have any records of any letters being received by me to them. I asked for a supervisor, who's name is XXXX. XXXX gets on the phone and advised that the address I have is incorrect. 

I asked XXXX to pull up the report # I have and to look at the address provided XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX ) for consumers to send information to. XXXX looked up the report and advised me that he will try to have the information corrected, as the address for disputes on my credit report is not the correct address and that I should send them to : XXXX XXXX XXXX XXXX, GAXXXX XXXX. 

Now I have to resend the request for information letter again, and wait another 45-60 days. How can they have the wrong information when we are trusting them to have the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After the original creditor responded to a dispute, Experian opened up a new dispute but I do not feel they fully looked into the dispute because the account still reflects incorrect information even after the original creditor supplied information directly to me. Experian reporting does not align with what the original creditor supplied to me, and the account reported on Experian 's reports shows that it has not been updated since XX/XX/XXXX. Experian has not handled this dispute process accordingly and I would like the tradeline removed until corrected. 

XXXX is the original creditor that is still reported on my credit report and has been disputed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with Experian as well as reported a complaint with the CFPB XX/XX/XXXX and there have been zero changes by Experian and how they are reporting this tradeline and information. This tradeline is also reported on XXXX  and there are inaccuracies between the two when compared therefore Experian is reporting incorrectly.

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 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
New Mortgage with Nationstar on XX/XX/XXXX. Payments of {$1300.00} monthly at 3.5 %. Note states payments to start on XX/XX/XXXX. Loan set up with no escrow acct. as we pay our own taxes and insurance. ( Note attached ) On XX/XX/XXXX, I tried to get a loan modification. This was denied by Nationstar on XX/XX/XXXX. ( Denial Letter attached ). My monthly payments continued on time. 

In XXXX of XXXX Nationstar decided to set up an escrow account for our mortgage without my knowledge or authorization. When I received the new mortgage payment I called Nationstar to find out what had happened. I never got a straight answer from any staff member and no one knew why the escrow account had been set up. In my recent correspondence with Nationstar, they claim that it was due to the modification denial. That makes no sense since the denial was in XXXX. Then they also tell me that the escrow account should have been removed at the time of the denial. Like I reported prior, there was no escrow account set up in XX/XX/XXXX. 
In the consequences of Nationstars error in setting up and removing the said escrow account my XXXX payment which was received by Nationstar on XX/XX/XXXX, was reported DELINQUENT to all XXXX Credit Bureaus. 

This error of Nationstar stays on my record as " too many delinquencies '' for 7 years. 

I have been communicating with Nationstar for several months now and they refuse to correct this mistake. They continue to claim they never received my payment until XX/XX/XXXX due to placing my payment of {$1300.00} received by them on XX/XX/XXXX into an " invisible escrow account '' PS : I am attaching only one correspondence between myself and Nationstar but there are several more. Please let me know if you want me to send them. They have already seen them. Not sure they read or paid any attention to them. 

Also since there have been many communications between Nationstar and myself already and no resolution please let me know where else I can venture to get a resolution. Nationstar has already proven they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: MO

Complaint narrative:
My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}

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 2021-06-01 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: MO

Complaint narrative:
My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/21 l XXXX went on line to request a credit limit increase and to determine if they would do a credit limit increase without a hard inquire. I was only updating my info. Also the information I got online stated that in order to finalize the process l would need to finish the process. Finally, the rep admitted that the process could not be completed without verification but they stated they can still giving a customer a hard inquiry. 

Citi bank is in violation of the law by not legally verifying a customer 's identity.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I deposited XXXX one day. I sent my landlord XXXX for part of my rent and that left a balance of XXXX. PayPal decided that that was suspicious activity and put a freeze on my account. I tried transferring it to my own bank that is linked to my PayPal, it would'nt work. I tried sending the balance to my landlord, it would'nt work. I was on the phone multiple times with representatives saying the problem had been fixed and I should be able to send and receive any amount. Nothing worked. SO VERY FRUSTRATING!!!!!!!!!!!! My daughter sent me XXXX from me selling different things at an antique show. My dads pocket watches and mantle clock and different things I have been accumulating all these XXXX years of my life. I informed them of what each transaction was and they still decided to hold my funds. I am SO FURIOUS. How can a company decide to hold someone elses money??? and for so long???? I need that money for my care. It is not acceptable and the time of 180 days is extremely inappropriate. PLEASE help me!!!!!! I am not happy. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Debt of less than {$800.00} from XXXX XXXX was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received XXXX pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: RFNA, LP
State: MS

Complaint narrative:
I got loan was paying on loan and lost hours due to a fire at a customer. I talked with the loan company and they started a garnishment and paid thru payroll. Loan is paid in full and I found out she didnt send to circuit court that is was paid until after a year later. I had to call the regional Vice President to get him to call and have them fax documents to courts. I asked for a good will delete and I cant get anywhere with that.

Company response to consumer: Closed with explanation