vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-02 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: LEXISNEXIS
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was rejected for a credit card with Citibank on XX/XX/20 the following statement : " the credit privileges on your existing accounts are currently restricted. '' As I understand the FCRA, companies are required to provide a reason for denial of credit. This so-called reason provides NO useful information as to what about my credit score or credit history caused me to be rejected, nor anything regarding what needs to be changed in order to qualify for the card. It also sounds most ominous as regards the continued use of my existing cards. I've had no prior rejections, have three cards currently active with them, each of which I auto-pay in full on time, and I've used cards from them for several decades. Up until that notice, there has been no indication of any difficulty with my accounts. 

I called Citi to seek clarification and, despite over an hour on the phone on multiple calls, received no further information, just getting ping-ponged between different customer service reps who could either tell me nothing or merely parrot the useless phrase above. I reported this problem in my response to an emailed survey from Citi, and I left a note about it in their online Chat, but I have received no response to either of those as well.

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 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
When I recently pulled my credit report I was made aware of an incorrect item reporting on my account. There is a collection showing and I have no knowledge of this account or to whom it belongs to. I've reached out to the company listed on the credit report but to no avail, I have not been able to get this issue rectified with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: GA

Complaint narrative:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in  XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXXXX/XX/XXXX ), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX XXXX XXXX XXXX {$8900.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX), you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : MARINER FINANCE , LLC {$8900.00} Reported balance

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 2020-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MidAmerica Mortgage Inc
State: FL

Complaint narrative:
A house I purchased on XX/XX/XXXX used a downpayment assistance grant subsidized by the Florida Housing Corporation. The Promissory note states that the Grant, amounting to {$15000.00} is to be forgiven in increments of 20 % on the anniversary of the signing so that on the 5th anniversary the debt is 100 % forgiven. Until the grant is forgiven, it stands as a second lien on the title. If the property is sold or the 1rst loan is abolished for any reason before this 5 year period, the remaining balance must be paid in full upon the 1st liens abolishment. On XX/XX/XXXX, I requested for a refinance of the property along with a payoff statement from the loan handler Mid America Mortgage. They claimed that the second mortgage did not exist. I then proceeded to call the Florida housing corporation ( FHC. ) to see if they still held the debt. It turns out that the loan was originated by XXXX XXXX, but FHC. never assigned the lien to a collector. Upon the realization that they forgot, on XX/XX/XXXX of XXXX an " Assignment of deed of trust '' was issued by FHC to XXXX XXXX. The following day, XX/XX/XXXX XXXX XXXX reassigned the trust to Mid America Mortgage ( MaM. Finally, on XX/XX/XXXX, MaM recognized they owned the trust of the second lien, however they refused to release a payoff statement stating they did not have the proper paperwork and that it was in their special loans department. I called again on XX/XX/XXXX at XXXX XXXX  EST where a customer service representative guaranteed the issue had been resolved and that the payoff would be released that day of the following. No Pay off was released in the next 36 hours so on XX/XX/XXXX at XXXX I called again. I requested a supervisor who once again told me that they didn't have the proper paperwork on the trust and couldn't release the payoff. Now I've paid for an appraisal that's expired because these guys cant process their loans correctly. There is no foreseeable end in sight, they keep denying that the paperwork even though they acknowledge public record shows the lien is in their trust. 

What am I to do and do they owe me a new appraisal for going past the 30-day limit? I can I get out from under this house?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: PMGI, LLC
State: CA

Complaint narrative:
PMGI , LLC has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : PMGI , LLC Made on : XXXX Made with : XXXX  Made by : PMGI , LLC Made on : XXXX Made with : XXXX Made by : PMGI , LLC Made on : XXXX Made with : XXXX  I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-02 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
This company has continued to sell and report this account although I have disputed the validity. We agreed to a settlement that has not been honored to the current date. Please see attachments of accepted, signed and cashed check as well as accepted settlement agreement. 

Breach of Contract Agreement Contract Agreement violation Missouri common law, by Article II of Missouris UniformCommercial Code ( UCC ) A breach of contract : Breaking a binding legal document by failing to satisfy the terms of the contract without a lawful reason [ including unilateral law : signed, cashed and deposited check ] Details of Accepted Settlement Agreement to date XX/XX/XXXX JEFFERSON CAPITALACCEPTED SETTLEMENT AGREEMENT XX/XX/XXXX CASHED CHECK VERIFYING ACCEPTED SETTLEMENT AGREEMENT JEFFERSON CAPITAL ASSIGNEE OF XXXX XX/XX/XXXX JEFFERSON CAPITAL [ XXXX ] -Honor Accepted Settlement Agreement Request-Mailed letter to Jefferson CapitalXXXX duplicate request of agreement including removal of debt and to stop reporting debt and selling debt to other collection companies [ to honor the additional terms of our agreement ]. Mailed letter to ALL 3 CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) to request removal of debt and to stop reporting debt and selling debt to other collection companies [ per honoring the additional terms of our agreement ]. 

XX/XX/XXXX CURRENTLY, It appears to be still showing up on at least two Credit Reporting Bureau ( XXXX/XXXX  ) as XXXX/XXXX  ( charge off and sold to another lender ). One is reporting in current/good standing and the other is showing as derogatory!!! 

I have made numerous attempts over the past years to resolve this disputed and erroneously reported issue, but to no avail. I agreed to do a settlement just to receive a final resolve but to no avail. I am reaching out for help. I continued to experience financial damage/loss and would like immediate recourse in getting this very unfortunate situation resolved! 

Thank you for your time and due diligence in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX , XXXX has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX , XXXX Made on : XXXX Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 explanation
Consumer complaint received 2020-02-02 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: FACTUAL DATA CORP.
State: CA

Complaint narrative:
Factual Data has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Factual Data Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX has made an illegal, invalid, erroneous, and unauthorized hard inquiry on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XX/XX/2018 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

In addition, the initial unauthorized inquiry was made over 2 years ago which is past the amount of time any inquiry is allowed to remain on a credit report. 

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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 2020-02-02 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: CA

Complaint narrative:
JPMORGAN CHASE CREDIT CARD has made illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score.

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX Made by : JPMCB CARD Made on : XX/XX/2018 Made with : XXXX I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I request that after removing your unauthorized and outdated inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02 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: RI

Complaint narrative:
Transunion is in violation of the FCRA section 605B for the following reasons : In XX/XX/2019 i filed an FTC ID theft affidavit report to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my transunion report. This account was blocked for the last 8 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however transunion is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately. 
I should not have to re fight to have information that was deemed fraudulent removed from my credit report again.

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