vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear CFPB, I was notified by mail multiple times by Portfolio Recovery Associates, XXXX ( PRA ) address XXXX XXXX XXXX XXXX VA XXXX of collection notices about { {$5500.00} } Reference Number : XXXX, to which I found multiple violations pursuant to 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). I XXXX XXXX the Consumer and Natural Person is the original creditor, Pursuant to 15 U.S. Code 1692a ( 4 ). No corporation can validate a debt. Also debt means any obligation or alleged obligation, Pursuant to 15 U.S. Code 1692a ( 5 ). This company harasses me with debt collection letters since 2018. Pursuant to 15 U.S. Code 1692b ( 2 ) they can not say that a consumer owes a debt. I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to, in which I have not received thus far. In this regard after failing to respond to my affidavit thus defaulting and due to the inaccurate reporting and unprofessionalism of this company since XXXX. This is for the record that in pursuant to 15 U.S. Code 1692k they have to pay { {$1000.00} } per violation in the total amount of {$8000.00}. I demand this account be deleted on my credit report. Delete from all consumer reporting agencies ( XXXX, XXXX, XXXX ) and monetary damages of {$8000.00} as per attached invoice. I have file a report with the FTC attached Report # XXXX and will proceed with filing a case with XXXX XXXXXXXX XXXX of XXXX XXXX XXXX Attorney General if the matter is not resolved immediately! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : *Collection : XXXX XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} MIDLANDFUN XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NC

Complaint narrative:
I faxed my social security card, front of my driver license and back of my driver license with a letter yet again requesting Equifax to remove dispute remarks from my credit report. The XXXX XXXX acct in the amount of {$500.00} was opened this year I believe back in XXXX and has never been disputed by me. I totally agree with the balance on the account and the payment history of this account therefore I want the customer dispute remark removed ASAP. The XXXX account in the amount of {$500.00} is still showing with dispute remarks that this account was previously disputed and that is incorrect. I agree with the balance and the payment history of this account therefore again I want all dispute remarks removed from this account ASAP. Finally, XXXX XXXX  XXXX is listed as consumer dispute which is also incorrect. I agree with the balance and the payment history on this account and therefore want all dispute remarks removed from this account ASAP. This is now the 2nd request made to Equifax to have this information removed from my credit report to no avail. Please remove all dispute remarks from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.

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 2021-11-15 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: PA

Complaint narrative:
On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
On XX/XX/2021 and XX/XX/XXXX, XXXX disputed inaccurate information in my credit files reported by U S DEPT OF EDXXXX XXXX 

The " Date Last Active '' is inaccurate on all three credit bureaus, reporting different months and different years. 

I know this is the date which stipulates when this information is naturally removed from my credit reports. The problem is, these accounts has been illegally re-aged and the credit bureaus are reporting old debt as new, and now these accounts are set to stay on my credit reports longer than they legally can.

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 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I Received a letter in my mail saying that I cashed a check that was sent to me so Its a loan and I need to pay starting XX/XX/2021. I have not seen any check in my mail, I ve not cashed out anything and I ve not heard of the company TOWER LOANS before.

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 2021-11-15 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: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXXXXXX XXXX, XXXX, XXXX  which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX XXXX XXXX XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to 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 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I began the process of refinancing the mortgage on a property I own. On XX/XX/XXXX, it was discovered that there is an outstanding balance of {$7600.00} in fees that must be satisfied at the time of closing per the refinance. Being that I had no knowledge of such fees, I contacted my current mortgage company, LoanCare c/o XXXX, on XX/XX/XXXX to get more information. A LoanCare representative researched my account with another colleague. After returning from a long hold, the rep explained the only information they could find about the fees were they are labeled as " preservation of property '' and were transferred to LoanCare when they acquired the loan in XX/XX/XXXX. Other than that, there were no specific dates of the fees charged, whom the fees were owed/paid to, or any other information associated with the fees. Unsatisfied with the result of my first call, I contacted LoanCare again on XX/XX/XXXX. I spoke with a different representative which told me the same thing as the first rep. Unable to get any sufficient details regarding the fees, I called again on XX/XX/XXXX and was told the same thing as the first two reps. And, the third rep advised me to contact the former mortgage company, XXXX XXXX, to understand the fees charged. Unfortunately, I'm unable to contact XXXX to get the details of the fees as they have dissolved business. 

Dissatisfied with the lack of details surrounding such costly fees, I sent an error of resolution request letter to XXXX on 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 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I called regarding a debt I owed I spoke to 2 different representatives on XX/XX/2021. XXXX XXXX gave me the wrong information would not answer my questions regarding my debt they alleged that I owed and I spoke to XXXX XXXX who transferred me the 3rd time I called then hung up on me when I called back. Both representatives hung up on me and refused to help me when I was asking questions about my account. Very unprofessional, and not even willing to talk to me so I can try and take care of this account theyre saying I owe on that I also didnt receive a debt validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I want my idenity back and my chance at having a good credit history i been a victim of idenity theft since 2013 when i was released from the XXXX XXXX XXXX XXXX  i ve been used and tooking advantage of my chance at ever building or establishing credit i have never owned a bank account or had a credit card yet im banned and not allowed to have one they said i was red flagged the panademic happened i got sick with covid XXXX  the XXXX  strand and the XXXX  and i couldnt even recieve ui benfits or pua benefits because someone else claim my money ive filed fraud and idenity yet im still wrongfully being accused of all different kinds of emoloyment and benefits i never recieved im a single mother and i didnt finish high school but i did get my XXXX  in XXXX  i been asking for help and tryn to fix and dispute things on my file that are not mine i cant even get a annual credit report because they say my information doesnt match what am i suppose to do i ask and call write and send emails yet im still getting no where i was told i recieved XXXX in unemployment benefits where i wan na knw where and when i got this money im living in a XXXX XXXX  and been XXXX  since the panademic i hate that ive suffered so much due to negligence of the state and them not doing there proper investigation or even maken attempt to help me get down to the bottom of this i may not come from money and i do hve convictions on my background but that doesnt give anyone the right to take things that are or money or even using my ssn and name for anything i pay taxes like everyone else and should be treated equally to everyone else i paid my dues for my wrongs and i dont deserve to be put on hold because of it someone is using my idenity to work or to get money or take money if someone wants to pretend to b me then they should go do my time everytime i get in trouble just saying they ruined my life and i didnt understand how important it was to keep a credit history good or even knw how much a credit score could have a impact on my life til now ive never had a credit card or debit card from a bank but im red flagged from all banks im not the smartest but i knw that this is not ok please help me fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I received emails with my name stating that I had been approved for an account with the business, Money Lion. I've never heard of the company. I was suspicious so I checked my spam mail and I saw an email in there as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I used my American Express card to purchase two tickets on XXXX for XXXX XXXX XXXX. The tickets were my my wife and I. We planned to travel to XXXX during the XXXX week. We paid {$830.00} for each airline ticket. The tickets were not refundable. When we purchased the tickets, the schedule called for us to depart XXXX XXXX, California on XX/XX/2021 and arrive in XXXX, XXXX on XX/XX/2021. On XX/XX/2021, we were scheduled to depart XXXX, XXXX and return to XXXX XXXX, California on the same day. On XX/XX/2021, I received an email from XXXX advising me that XXXX XXXX XXXX unilaterally changed my flight schedule. Instead of leaving on XX/XX/2021. The new schedule called for me to depart XXXX XXXX on XX/XX/2021. In addition, I would not arrive in XXXX XXXX until XX/XX/2021 as a result of a nearly 24 hour layoffer in XXXX, XXXX. XXXX XXXX XXXX also changed my return flight date leaving from XXXX, XXXX on XX/XX/2021 to XX/XX/2021. XXXX requested that I approve the change. I declined the schedule change and I received an email from XXXX telling me that I would receive a refund. When I did not receive a refund from XXXX, I contacted, American Express to dispute the charges for the airline tickets. I also contacted XXXX. On XX/XX/2021, I received a letter from American Express refusing to credit me account. I called American Express and I was told they would not remove the charges for the airline tickets. According to the U.S. Department of Transportation, I am entitled to a refund if the airline made a significant schedule change. In this case, I believe that XXXX XXXX XXXX made a significant schedule change to my iternary and as a result, I am entitled to a refund of the purchase prices. I have not been offered a refund by XXXX or credits for the fees that I paid. I would like American Express to refund me the fees that I paid for the two airline tickets on XXXX XXXX XXXX. I also believe that I was fraudulently induced by XXXX and XXXX XXXX XXXX to buy tickets that never existed and XXXX and XXXX XXXX XXXX intended to change the tickets to completely unusuable tickets and not issue to me refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
I noticed some inquiries on my credit report that I didn't Authorize. I need to get them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I worked directly with Comenity Capital Bank to set up autopay to complete and comply with the terms offered to take advantage of the promotional deal that was to save additional finance charges This payment schedule was set up in XX/XX/2021 for the amount of {$170.00} to be applied every month on the XXXX of each month to satisfy the loan by XX/XX/XXXX as my documents will show these payments were made by autopay as setup except on XX/XX/XXXX - Comenity Capital Bank on XX/XX/XXXX instead charged a {$27.00} late fee then on XX/XX/XXXX charged {$620.00} XXXX owed {$160.00} on XX/XX/XXXX and I paid {$160.00} on XX/XX/XXXX after being contacted by Comenity Capital Bank The bank has had no interest in explaining why they failed to complete the agreed upon autopay nor fix this error - I was simply told that there was nothing I nor they could do to address these changes I consider the loan paid in good faith and I am asking for your review and assistance in addressing this abuse and request that Comenity Capital Bank close this account in Good standing and report this to all credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX-Balance {$0.00} DEPTEDXXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation