vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Several accounts were shown as still open despite multiple calls, emails and letters to Equifax regarding all accounts having been closed from Bankruptcy, as well as accounts that I did not even have access to- they were opened in my name, i had no access to the account whatsoever, still showing on my account despite multiple complaints. 

Incorrect reporting, not showing accurate credit rating. 

The dispute process went over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I wrote letters to Nelnet LNS, XXXX, XXXX and XXXX about inaccurate items on my credit report including duplicates with both accounts. I didn't get a response after 30 days about the inaccuate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XXXX, the company Navient attempted to contact me, XXXX XXXX, looking to reach another person, XXXX XXXX. I am related to XXXX XXXX, but I am distressed that they would call me looking to reach her. I have not been listed as an emergency contact or anything like that. Since they are a XXXX loan company this feels predatory. Researching and finding other relatives ' phone numbers to attempt to try and reach that person is a violation of personal privacy. On top of that, this is harassment of XXXX XXXX. I'm not sure of her involvement with the company, but for them to attack her in this way is a violation of her privacy and mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX KEEPS REMOVING MY OPTION TO FREEZE/UNFREEZE MY OWN REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I'm being charged late fees even though I have made payments 4 to 6 days before due date. I've called many times to try to get this resolved but it keeps happening. I have also written to the bank. I received their response saying that they investigated and found the charges to be valid. I wrote to them again enclosing a copy of my bank statements showing that payments were made well in advance of the due date. They are obviously not posting my payments until after the due date so they can charge a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, my bank charged me a {$36.00} overdraft fee due to a fee that XXXX erroneously assessed against me. XXXX forcibly took the money from my checking account then realized their error and eventually reimbursed me. 

However, the XXXX fee caused my checking account to overdraw which incurred a fee of {$36.00}. On XX/XX/XXXX, my bank charged me another {$36.00} overdraft fee. 

The XX/XX/XXXX overdraft fee was not due to any mistake or fault on my behalf and should be removed from my account. The XX/XX/XXXX overdraft fee is unexplainable and also should be removed from my account. However, my bank has refused to remove these fees.

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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted dispute 3 times on Equifax website and still it have not been fixed. Almost 6 months and still it's hanging. All other credit reporting agency removed my wrong credit inquiry which was made by XXXX XXXX XXXX ( XXXX XXXX ) ( Wrong inquiry ran on XX/XX/2021 ). I have submitted all proof that wrongly pulled inquiry still it's not removed. Even XXXX XXXX  and XXXX XXXX provided all the proof still it's not removed. I am not getting this and if needed I will go at highest level to fight this. Enough patience now, I am losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently received copies of Loan Documents from Ally, The address they have on the account is Not Mine. I need them to remove this inaccurate account from under my name.

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 2021-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Point Digital Finance, Inc.
State: MD

Complaint narrative:
By letter dated XXXX XXXXXXXX XXXX, Point Digital Finance , Inc., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, ( XXXX ) XXXX, rejected my loan application for {$55000.00} stating that " we are unable to approve your application... for the following reason : Value or type of collateral not sufficient '' ( copy attached ) I have contacted Point by e-mail on XXXX XXXXXXXX XXXX to request a full explanation of their adverse credit decision. copy below : ******************** Gentlemen, The 7 word explanation for your adverse action rejecting my application is incomprehensible, and I request a full explanation. 

Your notice dated XXXX XXXX, 2021 said : " Value or type of collateral not sufficient '' The " type of collateral '' is a single family residence ( XXXX sq. ft on XXXX acres ) constructed in XXXX which has been in my family since construction. My late wife and I purchased this property from my parents in XXXX when they moved to their FL retirement residence. Please explain how this " type '' is " not sufficient? '' As to " value ... of collateral not sufficient '' did you do your homework of this neighborhood? My recent ( XXXX XXXXXXXX XXXX ) XXXX research indicates that this property has a median property value of nearly {$380000.00}. Other nearby similar properties are listed in XXXX with values from $ XXXX to $ XXXX. Some have less square footage than XXXX XXXX, and some have more. Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As disclosed in my application documents sent via the internet to Point Digital Finance, I have a first mortgage ( 15 year term ) on this property with current balance of just over $ XXXX ; I make monthly payments of nearly {$2000.00}. Thus my equity is about {$180000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested an XXXX amount of {$55000.00}. So what is the " value... not sufficient '' issue? 

FYI : I am reviewing the Fair Credit Reporting Act, the Consumer Credit Protection Act, and related federal statutes and regulations to determine if I should file a red lining or similar complaint in connection with your adverse action on my application. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NJ

Complaint narrative:
XXXX : the original amount of debt was {$590.00}. 
The debt was with XXXX after switching service. Had called XXXX many times but debt continued to build up. 
Paid the entire debt in full and in good standing through ERC. ( letter attached ) PLEASE UPDATE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I tried to contact this collection agency ( I C System ) because on my credit report, it says I owe them a balance for an account that has been closed over seven years. Every time I check my credit report, the date opened section is different. Right now it says this account was opened on XX/XX/20. This is an old account thats has been disputed with the original company. When I contacted them, they purposely change the date again to the date of the dispute.

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 2021-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.

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 2021-12-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Validate it or prove it. The bankruptcy court doesn't disclose information with the Bureaus and these bankruptcies don't show in XXXX system. I included a letter from the bankruptcy court saying they don't disclose information with the Bureaus and I also included documentation from XXXX saying these Bankruptcies aren't reporting in their system.

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 2021-12-14 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted a dispute several times for XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : 1. I have never had cell phone service with XXXX XXXX. 

2. XXXX XXXX XXXX XXXX XXXX XXXX is not an account in my name. This account belongs to XXXX XXXX XXXX. My name does not even appear on the bill.

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 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I contacted Medical Data Systems in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXXXXXX XXXX XXXX about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen

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 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount. 

On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland. 

On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX. 

On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX. 

I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 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: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This credit inquiry was not authorized to run my credit. It is a crime to run someones credit without permission. I am trying to purchase a home and this inquiry needs to be removed immediately as I have not run my credit for 4 months. It is not mine. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I noticed my credit score dropped substantially so I pulled my credit from XXXX and found that a collection account for {$3900.00} was being reported incorrectly on my report. I tried to dispute the record on the XXXX report but could not complete the dispute because I didn't have any information about the fraudulent activity except the company that reported the charge and the amount. I called XXXX XXXX XXXX on XXXX to report the fraud and they said they were opening a fraud investigation but they would not give us any information regarding the fraud that occurred. Received a letter from XXXX XXXX XXXX today on XXXX that the matter was referred to Sequium and asked me to call them at XXXX to open a fraud claim. I called Sequium and they refused to confirm or deny any record. They also hung up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Radius Global Solutions LLC
State: NY

Complaint narrative:
Radius Global Solutions  is reporting a fraudulent account on my credit. I called Radius on XX/XX/XXXX and informed them that this account is not mine. They tried to find the account using my social, and name but were unable to locate the account. They were able to eventually locate the account using my maiden name and an old address. I informed them that this debt is not mine, and they gave me the option to file a fraud claim ( which could take uto 90 days or just to pay the account. They said that once the account is paid it will be removed from the credit. I decided to pay the account instead of going through the fraud steps, as it would take long. Radius MISLED ME AND instead of removing the account from my credit, they marked it as a paid collection. PLEASE REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT!!!

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 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have submitted a dispute several times for XXXX XXXX and XXXX XXXX XXXX ( XXXX ) : 1. I have never had cell phone service with XXXX XXXX. 

2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX is not an account in my name. This account belongs to XXXX XXXX XXXX. My name does not even appear on the bill.

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 2021-12-14 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX XXXX my identity theft affidavit. I have never authorized or gave express written consent to any 3rd affiliate XXXX to furnish my data with the following companies, please be aware, no consent is identity theft : XXXX XXXX XXXX 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Paradigm Assets, LLC
State: HI

Complaint narrative:
I have been trying to get a house loan for about 4 years, but this collection account keeps showing, I have done all the steps necessary to pay back this debt, to the original creditor as well as the collection office, at this moment I'm requesting this collection to be deleted because of the fallowing reasons. 

I have made multiple attempts to pay it I have received no return phone call from them and the phone # s listed by XXXX and the XXXX for them hang up before anyone answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: OK

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief