vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me

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 2021-09-02 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that this information be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible. 

The following personal information is incorrect : Name : XXXX XXXX, Also Known As : XXXX XXXX, Also Known As : XXXX, XXXX, XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have disputed this account XXXX  to every bureau and have summited documentation from XXXX  support my claims of fraud and has ask each agency to remove the account from my credit report completely and all its negative remarks

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 2021-09-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on XXXX Report still displays a fraudulent account on my report. Its not on XXXX  or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX  NOR XXXX. 
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2021-09-02 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: AR

Complaint narrative:
My Home Equity Loan with XXXX XXXX has been paid off. I recently reach out and provide credit bureaus agencies documents of my Home Equity Loan has been paid off. It should've been reported to all three reporting agencies Equifax Information Services XXXX LLC, XXXX, and XXXX XXXX Document By U.S. Department of Housing and Urban Development indicate Payoff to XXXX XXXX XXXX  XXXX. in the amount {$43000.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I am exiting a forbearance plan on XX/XX/2021. When I have spoken with my mortgage servicer in the past, they have always assured me that deferment would be an option. It was also my understanding that this was an option offered by Fannie Mae. Now that I am exiting, they have said deferment is not an option but they will review my account to see if a flex-mod is an option. 

In speaking with my mortgage servicer the customer service representative denied any knowledge of deferment and said they believed this option was no longer available. I was placed on hold for a considerable amount of time while the representative waited for a response from someone else. Ultimately they stated that the best they could do was indicate on the flex-mod request that I would like a deferment if that was still an option.

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 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This is a loan with OneMain Financial account number XXXX I have had poor communication with local office. 
I call they transfer my information to a central location, however I can not get my request resolved. 

The breach of contract is that they have not reported on a monthly bases any of my payments to this binding contract Causing material & causing hardship financial damage over the last 9 months to my credit XXXX  XXXX  & XXXX. In the last nine months they repeatedly month after failed to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: NM

Complaint narrative:
On XX/XX/2021, I receive an email from XXXX XXXX  stating there had been a significant do in my credit score rating. I immediately loved into my account and to my surprise discovered that not only did I have some {$480.00} in collections but it was something that I knew NOTHING about!! Upon further investigating the matter, I saw that it was a debt in the amount of {$480.00}, that was apparently taken out on the XXXX of XXXX, XXXX, with a company called XXXX XXXX XXXX XXXX, which I KNEW absolutely nothing about. Not only had I never heard of them but had no clue what type of product of services that they offered that they were claiming I owed a debt for?? I have been working with XXXX XXXX  to rebuild my credit for the last few months and have not taken out ANY new debts! Their this tells me that it could be two things. One that someone fradulently took out a debt in my name and with my information with them intent of never paying on it or paying it back because it wasn't in their names. Or Two, that the business in question XXXX XXXX XXXX XXXX, misconstrued information in their records and their numbers are incorrect this reflecting on MY credit report. Regardless of the incident, I WANT MY CREDIT RESTORED! I want this removed from my credit and want the situation investigated if it was some type of fraud situation. I have tried reaching out to the company directly and they asked for a police report of a report from the FTC regarding this incident. I don't know enough information to file a police report so this is my attempt at getting there ball rolling and lighting the fire underneath this company to remove this from my credit. I have filled a dispute with XXXX, I have filled as formal complaint with the XXXX XXXX XXXX and now with you guys. Hopefully something gets done!

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 2021-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Venmo has frozen my account for no reason, they refuse to give me my money back, I was contacted by an account specialist from Venmo who took all of my personal information and once he had it he started to ignore me. The account specialist named XXXX XXXX has tried to steal my identity, they are holding my money illegally. NMLS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 240 days ) and ( two dispute letters ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

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 2021-09-02 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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit report and I seen hard inquires on my credit report. Those hard inquires are fraudulent. So I tried to contact the company but I did not get any resolution. 
So I would like to dispute the hard inquires.

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 2021-09-02 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: Nelnet, Inc.
State: MD

Complaint narrative:
I, XXXX XXXX XXXX, is submitting this complaint myself and no third party is involved. 
Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive lawful proof from NELNET that approval to collect on the alleged debt was granted in accordance to the UNITED STATES code listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a suspicious letter on Kohl 's letterhead. The letterhead looks like it was scanned ( i.e. fake ) and the address is not the correct Kohl 's HQ address. 

The letter had my name, address, and last digits of my Kohl 's credit card so I suspect that my information has been hacked from the Kohl 's computer systems. The letter threatens to cancel my card unless I send my social security number to a po box in Wisconsin. The letter references the Federal Equal Credit Opportunity Act. 

I called Kohls to report incident. Customer Service did not seem concerned and actually sang to me. I tried to report to Kohl 's HQ and it looks like they deleted my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: OH

Complaint narrative:
XXXX, TRANSUNION & XXXX  has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All 3 bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately

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 2021-09-02 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: OH

Complaint narrative:
XXXX XXXXN & EQUIFAX has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All XXXX bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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: NC

Complaint narrative:
I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
Afni sent me a letter stating they verified with the creditor. However, I requested that the information be verified and validated and proof be sent to me stating the account was properly verified. I did not receive that information from XXXX XXXX XXXX nor Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02 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 that should be on the report is missing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation