vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 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: PA

Complaint narrative:
I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: NC

Complaint narrative:
XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account is still on my credit report and it is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: IL

Complaint narrative:
XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-11 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: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH XXXX, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AZ

Complaint narrative:
i REPEATEDLY HAVE SUBMITTED DISPUTES ON XXXX XXXX XXXX. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. XXXX HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. XXXX  CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO EXPERIAN WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM XXXX AND EXPERIAN TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.

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 2020-08-11 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: U.S. BANCORP
State: NC

Complaint narrative:
A credit card ( ELAN FINANCIAL SERVI ) was open ( XX/XX/2018 ) in my name that I never had and when I spoke too the creditors they want me too send in my ssn, dob, and ID. I refuse to do so and they close the card out. It shows on my credit report as if it was my card. It has been removed from my XXXX report but still shows on others.

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 2020-08-11 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED  XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX   XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This account still shows up on my credit report and it is unverified.

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 2020-08-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
mailed removal letters XX/XX/XXXX about old accounts that have been on my credit report since XX/XX/XXXX about these accounts ALL THESE ACCOUNTS HAVE BEEN ON MY CREDIT REPORT SINCE XX/XX/XXXX. PLEASE DELETE AND REMOVE XXXX XXXXXXXX XXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF EDXXXX # XXXX US DEPT OF ED/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 explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third bank is not willing to delete escrow- requested to have an appraisal done. Was advised the appraisal request will be mailed to mailing address. The form was never mailed. Every-time I call to speak to someone about the appraisal form we are told it was mailed to you please wait 5-7 days. 
Initial request for appraisal XX/XX/2020 2nd request XX/XX/2020 3rd request XX/XX/2020- Spoke to another supervisor who stated - no appraisal form Was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CA

Complaint narrative:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX/XXXX  is fraudulent on my credit Account # 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 2020-08-11 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}

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 2020-08-11 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.EDFINANCIAL XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}

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 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/18 I received notification that my credit score had dropped. I  reviewed my report and noticed a collections account was added from XXXX funding. I disputed the account through Transunion asking for verification of charges. Transunion is showing the result of the investigation as meets FCRA requirements. What I specifically requested in the dispute is not addressed in the response. From what I researched online, XXXX is a third party collection agency.

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 2020-08-11 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
ATTENTION CUSTOMER SERVICE WF/XXXX  Account # XXXX is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this ridiculous debt. I was given free pillows and now they're trying to charge me for them?! I tried to return the pillows when I returned the bed and they wouldn't accept them. I can't tell you enough how many times I have tried contacting this company to resolve this issue. No one wants to call me back, NO ONE wants to answer the phone!! I have never received any notices, letters, or phone calls about this debt. I do not owe this debt. This debt needs to be removed immediately off my credit before I get my attorney 's involved.

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 2020-08-11 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: CA

Complaint narrative:
XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX/XXXX is fraudulent on my credit Account # 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 2020-08-11 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
XX/XX/2019 - Fraud was performed in Kay Jewelers XXXX XXXX near XXXX Arizona. An unknown individual with my drivers license information opened an account, and purchased several watches totaling : {$5700.00}. 

This also happened at 3 other stores in the area. Those 3 stores ( XXXX XXXX, XXXX and XXXX XXXX ) all accepted my Victims ID Theft Affidavit and the fraudulent accounts were promptly removed from my credit report. 

XXXX XXXX XXXX Jewelers however, insist that I was there at the time of the transaction. They insist that the signature is my signature. This is after 2 tries at their 45 day investigation waiting period ... I'm getting no where with them. 

The XXXX Police ( I have an official report # XXXX, with XXXX XXXX on the case ). However, even they aren't able to get timely corporation with Kay Jewelers Security, to retrieve video footage.

Meanwhile I now have 3 missed payments and ~ $ XXXX worth of credit that's not mine on my credit report. 

This is during a time that I could be refinancing my house, cars, etc for good rates ... but I am severely affected by this and no one will help me. 

Do NOT do business with XXXX XXXX XXXX or Kay Jewelers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  is reporting a late pay on my Bank of America credit that over 7 years old and will not remove it from my history. This occurred in XXXX of 2014.

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 2020-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services (  RLMS ). I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. I received my RLMS Mortgage Statement for XXXX and they added approximately {$300.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the XXXX XXXX  of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department which I did with no results. 

THIS IS THE 2ND COMPLAINT - ORIGINAL COMPLAINT XXXX-XXXX  WAS CLOSED IN ERROR WITH NO FOLLOW-UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}

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 2020-08-11 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: AR

Complaint narrative:
I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX  XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX  XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$860.00}

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