vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
I opened a personal checking account with Axos bank at the same time that I registered a sole proprietorship and wanted to use this account to receive payments. The Axos website says that while they recommend it, there is no legal requirement to create a separate business checking account as a sole proprietorship is legally just an individual under a business name. This is also what my accountant told me and I don't want an unnecessary business account. 

On XX/XX/XXXX when my first payments arrived for my new business I got an email from Axos Bank stating that they can not accept payments made to me under my business name. 

I attempted to explain the issue by emailing them, calling them, and sending them messages through their online portal. I asked if I could add my business name and offered to provide them with my EIN. 

Despite that, they have returned my most recent payments to the sender. I tried every reasonable option to remedy the situation with them but their representatives would not allow me to add my business name, or have a supervisor return my call, or even return my email. 

In a moment of weakness, I even agreed to accept one of their foisted business accounts via their online message portal but they still wouldn't call me back or help me in any way. not even on XXXX. 

Axos emailed me again on XX/XX/XXXX after the payments I told them were coming had arrived to tell me that they were going to close my account due to 3rd party transactions. I had spent the intervening week trying to resolve the issue but it is not possible. 

When I called no rep is able to help me and they can only refer me to a supervisor but the supervisor doesn't call me back. They have completely closed off any reasonable avenue of resolving this issue or getting my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor 11 XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor 11 XXXX - Open date- XX/XX/XXXX 3. XXXXXXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX Inquiry date- XXXX XXXX, XXXX 2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX XXXX. XXXXXXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry dateXXXX XX/XX/XXXX 6. XXXX - CARD XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 9. EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXXXXXX XXXX Inquiry date- XX/XX/XXXX 2019

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 2021-06-08 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: MI

Complaint narrative:
I am the consumer and according to 15usc 1692 I do not own any debt because I am the consumer and Im not obligated to pay. Im a administrator and agent according to 15 usc 1602 ( o ). The social security card belongs to the social security administration I have to give in back at their request so there for Im just a administrative agent. I do not own it or any debt attached to it 18 usc 8 will provide that information for you I do not own that debt. I am the consumer I am the only that can validate a debt and that debt is not mine it is not true.15 usc 1681 a XXXX states that you have to do interviews with my family associates and neighbors. XXXX did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: CA

Complaint narrative:
I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXX account XXXX-Innaccurate information XXXX  shows XX/XX/2020 date opened and Equifax shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh XXXX  and Equifax XXXX  has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus.

XXXX-Not my information XXXX/XXXX- reporting inaccurate information with all 3 bureaus.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collins Asset Group, LLC
State: NY

Complaint narrative:
I made contact with Collins Asset group regarding a collection on my credit report for a car the was voluntarily repossessed. I made a payment arraignment with this agency to pay down my debt, {$100.00} a month, with the understanding that they report my account is in repayment. The company continually reported the account in collections. I had filed a dispute against the report. I sent emails at the latest on XX/XX/XXXX no longer disputing this account. The company still reported that I am disputing the account. I have spoken to all three credit bureaus and they do not have a dispute on file, except when Collins reports the dispute, it triggers a dispute with the credit bureaus. Collins refuses to change the account to a repayment status, remove the dispute, or report it in adherence to the FCRA. I have spoken to XXXX the Operations Manager at Collins and was told flat out they would not put the account in repayment and nor remove any of the dispute wording being erroneously reported to the credit bureaus. I have emailed this company many times for documentation and have received no correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ERC
State: MI

Complaint narrative:
ERC. threatened to XXXX and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: FL

Complaint narrative:
No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help 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 explanation
Consumer complaint received 2021-06-08 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: FL

Complaint narrative:
No one help me about disputes I sent too all credit bureau I had some things on there that dont belong too me and the bureaus keep putting on my credit report after I dispute everything no one help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXXXXXX XXXX- Inquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXXV- Inquiry date- XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1.XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXX XXXX- XXXXnquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. EQUIFAX MORTGAGE SERVICES-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I tried to work on getting global entry ( I am supposed to get a credit on my statement for {$100.00} if I get it. I started the process and was disconnected, never got an email or a way to get in touch. Both the vendor and credit card company said I was not/would not be charged. It appeared on my statement. I was told would need to dispute. Still no way of verifying with vendor as they don't have me in their records and Barclays is saying it is a valid charge. 
No info provided how to contact them nor a way to dispute further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Mon, XX/XX/XXXX, XXXX XXXX, I received an email saying " You're in! '' as an account was created in my name and with my email. 

Mon, XX/XX/XXXX, XXXX XXXX I received an email saying my phone number has been updated to ( XXXX ) XXXX, which I am including here because it is not my phone number. I do not know whose phone number this is. 

Tue, XX/XX/XXXX, XXXX XXXX I attempted to chat with MoneyLion to resolve the issue, but they need personal information and I 1 ) do not want to share any with them and 2 ) will not have the details the fraudulent opener used Tue, XX/XX/XXXX, I called MoneyLion and verified that someone else has opened the account in my name. They only used my first name and my email address, but the phone number and SSN are different. MoneyLion says they will send to their fraud department and follow up with me in 5-7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from Capital One. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying Capital One directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( XXXX XXXX XXXX ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TN

Complaint narrative:
I have filed a dispute with Experian regarding an account listed that is not mine. The company involved was XXXX XXXX XXXX which my account has been paid and closed since XXXX. XX/XX/XXXX is the date of my last dispute when XXXX XXXX reported the account as mine that account started with XXXX. Spoke to someone at first electronic today and she confirmed the account is not mine but belongs to another person whose middle initial is L and lives in a city I have never lived in. The person also stated my paid in full letter was sent to my XXXX address. Please remove from my report asap

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 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS has once again changed the terms of the note I have filed two complaints last year CFPB case # XXXX and # XXXX This was resolved and now this year they have changed my interest rate from 3.125 % to 11.625 % I will attach a copy of my note to this complaint if possible

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 2021-06-08 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: SC

Complaint narrative:
Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi i am filing a complaint against the bureau company because they have not validate any information i sent them because i have not received any investigation letters what so ever. i also see account that arent mine they will not respond back to me ... this is a serious violation under FCRA SECTION 609 ... this is very stressful because their not doing their job as promise to protect us ... ....

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 2021-06-08 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: TX

Complaint narrative:
I have been a victim of identity theft in the bureaus aren't doing anything about it .... i been sending notices letting them no they are not responding, violation under the FCRA ITS MUST BE REMOVED.

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 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In forbearance due to COVID from XX/XX/XXXX. I was told that I would not have to make a payment until XX/XX/XXXX. Due to this being my first time going through the process, I relied on the support of my mortgage company during this very scary and difficult time. I was asked to pay all skipped payments when forbearance ended and I told them I wouldnt be able to do that. They sent me a packet for a partial claim. I called several times to ask questions about the package. I mailed it back by the due date. 

XXXX I received a call that because I havent paid any of my payments since the forbearance ended in XX/XX/XXXX and they were reporting me to the credit bureau. I told them I was told XX/XX/XXXX would be my first payment. I asked about my options and I was told I didnt have any since the partial claim was still being processed. I was told I could do an extension of forbearance after it was processed and my account brought current. I panicked and made payments to bring my account current from my emergency savings account. I was told that the forbearance ended XX/XX/XXXX. 

XXXX in the process of refinancing mortgage for an affordable rate. Loancare has provided new mortgage company XX/XX/XXXX-XX/XX/XXXX. 

XXXX called Loancare to see why they are giving the incorrect date and was told by XXXX that the person I spoke to on the phone in XXXX decided to extend my forbearance after the partial claim was processed. I did not authorize this. I have been on hold trying to resolved this for 4 hours.

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 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
This debt is affecting my credit bureau, I received no notification in writing of this debt, I only came across it in XXXX XXXX and then disputed it, and it was removed, however I then went to XXXX and disputed twice, stating this is not my debt, and they did NOT take it off..the company is XXXX XXXX XXXX opened XX/XX/21 for Il Dept of XXXX XXXX with a balance of {$1200.00}, there is NOT an account #, I WANT THIS OFF MY CREDIT BUREAU/XXXX, this is NOT MINE, I LIVE IN TEXAS AND HAVED LIVED HERE OVER 20 YEARS PLEASE HELP ME

Company response to consumer: Closed with explanation