vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-08-12 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: IL

Complaint narrative:
This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debtsy Holdings, Inc.
State: VA

Complaint narrative:
I have never heard of this company Debtsy , Inc . but I am suppose to be owner of a card that I do not have last year 5 cards were open in my name using my phyical address instead of my mailing address the way I found out about these cards is I started getting bills for accounts not being paid I am XXXX years old I am trying to get out of debt not make debt but there were 7 attempts to acrue credit in my name and 5 cards were issued to someone and it is showing up on my credit report thats when I became aware of this I talked to someone for one of the cards but it seem like i am getting know where with this, one of the cards is to a XXXX XXXX for XXXX I would not even except a XXXX card or why would I need a XXXX  card please work on taking care of this issue I do pay my bills but I can not pay bills for someone else. I have never dealt with creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
An annual fee of {$140.00} was charged on this credit card by Banco Popular de Puerto Rico on XX/XX/2021. I cancelled this card on XX/XX/2021 which is only 2 weeks after annual fee posted. I called the bank for the refund of the annual fee, but the customer service declinded to refund my annual fee. They claim they can't do that once annual fee posted. The fees were paid in full by auto payment and I would like to get annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NM

Complaint narrative:
I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my USA number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the USA ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company Portfolio Recovery Service continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this Portfolio Recover is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: TN

Complaint narrative:
This medical bill was paid and it was sold back to a debt buyer and this extortion and it need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: MO

Complaint narrative:
I have reached out to the company to let them know this is not mines, I have asked the credit bureaus to investigate this account as well because i was not living in XXXX in or around the time this account was used. XXXX XXXX XXXX XXXX XXXX {$770.00} } i even reached out the the data miners at transunion as well after the company, I also havent recieved apiece of mail to state the truth or why it wont remove. Theres no wet signiture on me and its been in collection without replying with the reason why after i stated this doesnt belong to me that it is reporting. PLEASE REMOVE IMMIDEATLY IF THE PROOF IS NOT SENT IN MAIL IN THE NEXT 15 DAYS ITS WELL OVER 120 PLUS DAYS. i WILL SEEK THE MAX PENALTIES NEXT IF MY FCRA CONTINUES TO BE VIOLATED.

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Management Control, Inc.
State: MO

Complaint narrative:
I have been fightimg a fraud case and the rivht that i hold to the fcra and the fair debt act. I have been violated on so many ways and wish for this matter to stop ... this is not my name my Name is XXXX XXXX this is not my debt i see the address on both the papers that were harrassee to me AFTER I SEEN THIS FRAUDULENT ACT ON MY REPORT WITH WRONG NAMES AND ADDRESSES they begak this act. Never in my life have they ever contacted me .. So now im really understanding this is fraud by the company also they sold the debt to a company it was never mine to begin with and the adresses ok the paper dont even exist. The name on the paper does not exist as well. PLEASE REMOVE IMMEDIATELY OR IM SUEING I HAVE A PICTURE OF THE PAPERS OF HARRASESMENT BUT THE COMPANY TOLD ME TO FILE A POLICE REPORT I WILL NOT THIS IS NOT MY NAME OR ADRESS OR CASE AND ITS BEEN SOLD THEY SAY THEY ARE SEEKING MY TAXES THAT IS A CRIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX Ally Financial Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX Ally Financial

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TN

Complaint narrative:
Incorrect information regarding a ticket that does not exist on my Motor Vehicle Record. The report provided stated that I received a speeding ticket on XX/XX/XXXX and that is not accurate. I have MVR to show accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: LA

Complaint narrative:
On XXXX, I filed a complaint # XXXX with the CFPB against Experian for failing to provide certified proof of alleged XXXX XXXX XXXX # XXXX. In Exhibit B you will find a copy of the CFPB Complaint. 

The alleged account ( XXXX XXXX XXXX # XXXX ) listed in Exhibit D is invalid, inaccurate, and carry no documented evidence of its existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

On XXXX, I received Experian Report # XXXX. I carefully reviewed your response to my CFPB complaint in which you stated The Company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. A copy of Experian Report # XXXX attached in Exhibit C. 

Your response to my complaint did not provide me with any certified proof on how you verified the alleged XXXX XXXX XXXX  # XXXX. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

Experian has a duty to verify the information as XXXX accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact XXXX timely and accurate. 

Experian can not simply say that the information was certified. You must also produce said certification when I consumer asks for it, which is their right under the FCRA. 

Experians failure to provide this proof is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. ( Copied from attached Affidavit ) ****

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: AR

Complaint narrative:
I applied for personal loan to consolidate some credit cards into one payment, freedom debt relief contacted me at the end of XXXX beginning XXXX. Stated they would give me a loan, after denying multiple times when asked if they were a debt consolidation, all I would have to do is change my billing address so freedom financial would get my statements, I would have automatic drafts come out of my account to them and they would pay my credit cards. Wasnt until I received an email from a credit card company stating I was delinquent that I called the company they stated then they have the credit card companies settle before they make payments.. destroyed my credit score and after that freedom financial offered me a ridiculously high interest rate loan to pay off the even higher accounts since my credit was so low I couldnt get a loan from anyone else. They never explained that I paid fees that I could claim so I didnt have to pay the full amount of taxes when I received 1099Cs so I ended up on top of everything paying {$3000.00} in taxes also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.

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 2021-08-12 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX Below is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  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 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have never done an ounce of business with this company and they put a collection on my credit report! 

I had a medical bill for {$140.00}. I tried to work with XXXX to resolve the billing issue but they never picked up their phone or responded to my letter. I was under the impression my insurance would be covering the bill. This got me no where IN THE MIDDLE OF A PANDEMIC. 

I applied for credit about a year later and was denied. This third party who I have never heard of put a collection account on my credit report. I paid the bill so they would take it off my credit report and I would work out the issue on my own with the insurance company. Instead, they left the account on my credit report. 

When I called the collection company, they told me they had called from a unknown number, didn't leave a voicemail, and they mailed me. I did not receive any of these calls or letters. They should have taken the insurance company to collections, not me. XXXX twisted my arm to pay a bill I do not owe by putting me in collections. If this item is not removed from my credit report, I will pursue further action. 

This item needs to be removed from my credit report immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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:
I recently checked my credit report and Equifax is reporting incorrect addresses on my report that does not belong to me. The following addresses does not belong to me and needs to be removed immediately XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Calvary Portfolio appeared on credit files. They were requested a validation through dispute with credit bureau due to never receiving any USPS mail communicationfrom them. They refused and failed to provide validation of all items of said debt. When they were contacted, they began by verifying who I was, social security number was given but when they asked for address, I requested they provide what address they had on file. The address they had on file for this specific debt was a very old address and would not have been provided to them by original creditor and they were told this. They were told that " if '' I owed this debt, that a Validation is requested. They would simply change a word or statement with credit bureau and made claims it was validated. Credit bureaus simply accepted their change thus continues to remain on each credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and Experian is reporting an incorrect address on my report that does not belong to me. The following address does not belong to me and needs to be removed immediately XXXX XXXX  XXXX XXXX XXXX GA, 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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
XXXX XXXX with Loan Depot with cash out for a remodel in XXXX, 2021. Made first payment via a one-time payment on XX/XX/2021 for {$2200.00}. Registered for Auto-pay on XX/XX/2021. Had to make one more one-time payment in the amount of {$2200.00} on XX/XX/2021, while Auto-pay is established. Received email confirming Auto-pay enrollment and first auto-payment would be made on XX/XX/2021. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received voicemail requesting a return call regarding loan at XXXX XXXX  on XX/XX/2021. Returned call on XX/XX/2021 and spoke with a representative who indicated my loan was was in default due to my XXXX payment hadnt been received and the XXXX payment was also due. I explained the loan was set up for auto-pay and successfully deducted XXXX payment. I was connected with a representative in the research department and was then told they attempted to apply the payment to the loan and the bank refused payment and that the account was closed. I have had this account at this bank for more than 15 years. I was told to submit the trace number and they would research it and that they had seen this same thing with other loans. In the meantime, this was reported to the credit bureaus and now my credit has been negatively impacted thru no fault of my own. I provided the info requested with the help of my bank, XXXX XXXX XXXX  XXXX. I called on XX/XX/XXXX to confirm receipt of the faxed trace info. The representative, XXXX insisted it was an issue I needed to work with my bank on. I conferenced my bank in on the call with XXXX and she proceeded to again state the issue was with the bank. The bank informed XXXX the funds were deducted and not returned. At this point I am out {$2200.00} and have a lower credit score and leery of sending anymore money if it cant be posted properly. I have requested to speak with the folks in the research department and am being given the run around. I have sent emails and filled out surveys in hopes someone from this very large company could call and talk with me. I experienced being put on hold/ignore for 25+ minutes or just being disconnected without a return call back. Loan Depot is being irresponsible and unresponsive leaving me minus {$2200.00} from my bank account, placed into default status on my loan and a lower credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX  credit report. 

XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! 
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX  and XXXX  credit report. 
XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation