vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-20 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: MD

Complaint narrative:
I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: NC

Complaint narrative:
I filled out a letter stating that I was requesting my free annual report from Equifax. They sent a letter back saying that I was filing a dispute that I never requested. They've also stated that I am being under investigation for the dispute, I feel that they are trying to sabotage something with my credit file in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
A company called Speedycash.com has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
XX/XX/21 XXXX XXXX - LTD Financial Services called apparently with a robo-dialer because when I picked up the phone, it was playing a radio broadcast. I said hello multiple times and no one was there. The radio broadcast continued for over a minute until I heard someone physically hang up the phone. I called back. They refused to tell me why they called me unless I gave them the last four digits of my social security number. The supervisor said they would need to call me back to verify my identity to tell me why they were calling. I gave her permission to call me one time to tell me why they were calling me. She said she would but never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: MD

Complaint narrative:
I am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS

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 2021-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Company, Valor Intelligent Processing is calling my personal phone number at all hours of the day, spoofing multiple numbers while doing so, during work hours/non-work hours, and leaving automated voicemails that have a misleading tone to them. They say, " Valor intelligence Processing calling on behalf of XXXX Texas XXXX XXXX concerning an important business matter. Please call us back at XXXX at your earliest convenience. '' They harass me almost every single day, multiple times a day. 

I called back finally today, XX/XX/XXXX, at XXXX and asked them to stop calling my number, did not provide name or number since clearly they already know who it is, and the agent continued to try and press for my personal information while talking over me and just being pushy in general. I never got what I requested done and told them I will be filing a complaint with the Consumer Financial Protection Bureau. 

I called another collector 5 minutes later, albeit, trying to reach someone who had this number prior to me, asked them to stop calling without providing any personal info, and it was taken care of. Why is this such an issue for Valor Intelligent Processing? 

This is not them calling about business matters, this is them harassing and misleading me in order to collect a debt for tolls. Extremely frustrating when I call someone back regarding what I think is a business concern, and it turns out it is just someone calling me to collect toll money. Last I checked, the XXXX was to stop charging tolls on roads that construction was completed on, but alas, here we are. I stopped paying them in this case, because while using their app, they tried to draft my account for over {$500.00}, when I only approved {$30.00} singular transactions. Luckily I set a limit per transaction for this account. If it happened to anyone else, XXXX would tell their customer to kick rocks and they would be out {$500.00}. I also have to take time out of my day, while I am supposed to be working, to file this complaint. 

Call log & number history from now, back until XXXX. There are probably other numbers, with different area codes they have tried to use to call me as well ; but they only leave voicemails with the XXXX area code numbers. 

XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Self Financial Inc.
State: NC

Complaint narrative:
Account Name SELF, INC Account Number XXXX Date Opened XX/XX/2020 Balance {$520.00} I never heard of Self, Inc and I never signed contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
i contacted XXXX that the accounts they have are fraudulent and incorrect, i gave them a chance to resolve the matter, but then when i pulled my credit report the items were still on my credit report, i then disputed threw the credit bureaus XXXX, which found that the accounts fraudulent and the accounts were removed. the accounts are now showing on my credit profile for trans union, i requested the original promissory note from XXXX which they were never able to provide the original, they sent me a copy that looked doctored,

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: MI

Complaint narrative:
Lender is asking for the length of my XXXX or proof that I will continue to receive SSA for three years!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I contacted Sunrise Credit Services to report a fraudulent credit charge/collection I noticed posted on my credit report. Sunrise Services gave me the company name and account numbers that originated this fraudulent charge that sent it into collections. I contacted this company called XXXX and gave them the account numbers Sunrise had supplied me with, and informed them that I did not make any purchases with their company. I was told I needed to send them a copy of my driver 's license and my social security number. I did not want to send this information to a company I am not familiar with and had given credit to another person using a different name and address but using my stolen SS #. Maybe this company was in on the identity theft/fraud?

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 2021-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My mortgage included an escrow account is with CMC funding ( Specialized Loan Servicing LLC ). They are not professionally running the tax disbursement from my escrow account. I have to contact them multiple times for XXXX school tax. The statements showd double tax payment on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$2300.00} ( included 10 % penalty ) out of my escrow account. 

When I contacted them, the first agent was mad at me and said this question is for the escrow department, not for the tax department. And then they promised to start an investigation of this double payment. I had to contact our tax collector to confirm the disbursement. He mentioned the check on XX/XX/XXXX for {$2100.00} was NEVER CASHED. The mortgage company should be able to confirm it very quickly and return the credit back to my escrow account soon. 

I had to follow up on this mistake caused by the mortgage company myself, which is wasting my time and money. Obviously, they don't run my escrow account professionally.

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 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-10-20 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: Bepensa Capital, Inc.
State: TX

Complaint narrative:
ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: FL

Complaint narrative:
I made a payment from my bank account on XX/XX/XXXX to XXXX XXXX Credit Card. They received my payment on XX/XX/XXXX. The Due date is XX/XX/XXXX. I was online getting ready to make my XXXX payment when I saw the late fee. They said I am late because they applied the payment on XX/XX/XXXX, even though they received my payment on XX/XX/XXXX. I think this is illegal and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: AL

Complaint narrative:
I am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report. The Federal Law requires you to delete ALL accounts and inquiries which resulted from Identity Theft within a maximum of 4 Business Days from the receipt of a Identity Theft Report in accordance to the Fair Credit Reporting Act Section 605 ( b ).

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2020, a fraudster used my information to apply for a Lowes credit card with Synchrony Bank. I have a freeze on my credit with a fraud alert due identity theft in the past. Since finding the hard inquiry on my account over a year ago, I contacted Synchrony Bank numerous times to get the inquiry removed and it is still there. Given the freeze on my credit, it should have never made it to a hard inquiry in the first place. I am reaching out to the CFPB for help since I was not able to resolve this on my own and after at least 4-5 phone calls to Synchrony.

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 2021-10-20 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: CBC Companies, Inc.
State: PA

Complaint narrative:
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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: Credit Plus Inc
State: PA

Complaint narrative:
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation