vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX , XXXX XXXX dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX , XXXX XXXX ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There accounts on my credit report that are listed on my credit report that do not belong to me. Please remove them.

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 2021-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
During COVID i had taken a break from studies to travel as I was affected by it. I set up auto payments to my XXXX XXXX account to pay for my loans as I would be responsible for them while I was out of the country. Upon returning I was met with delinquent charges on my credit account from a new lender, Firstmark who had bought XXXX XXXX student loans. In all my credit accounts I maintain a strong history of paying on time and I feel these delinquent charges are in error and is not my fault. When Firstmark took control of my account all auto payments went void, and within the first month of nonpayment my account went into delinquency. I received no correspondence while away. When I came back home I was able to get in contact with Firstmark after discovering delinquency on my credit report. I had to update the phone number, email, and mailing address they had on file. When I called a second time they said its been on file the correct way the entire time, which was a lie. I wanted to pay a large sum of money down and go into forbearance as I pay the remaining loan off but the terms of forbearance void any credit retraction plea on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX has hard inquiries on my credit file that I did not authorize. The dates are from XX/XX/XXXX, and XX/XX/XXXX. These were not made by me and I am asking that they be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There accounts on my credit report that are listed on my credit report that do not belong to me. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
My ex fiance went behind my back and took out {$300.00} through XXXX XXXX on my bank which I personally did not have that money in the first place I have no idea how it came out only to find out today that on the 9th my dispute that I started on the XXXX XXXX XXXX when I finally figured out how to get this stuff taken care of was denied because the fact that I've used cash several times in the past however if you look at my thing I have never spent more than 50 to {$80.00} at a time except for one steering XXXX when I was buying everyone XXXX presents, and apparently they said that I told them that it was not a fraud through text but most likely that means if they did text me I have a feeling with the way my ex is he probably saw the text on my phone and replied and deleted it when I was asleep because this did happen when I was asleep in the first place because I would never have let him overdraw my account and I need to finish the dispute in order to finish my identity theft report because my ex had stolen my bank information, my state ID my social security card, birth certificate, stuff like that nature of my son 's, and a lot more and I'm trying to get it taken care of but I can't whenever they are not willing to speak with me about it even though I filed a police report and everything just because of something that was out of my control and I want it fixed now because it's been 4 months and I'm not going to let him hang over my head and I'm not going to let him get away with doing this stuff because I'm tired of it, I'm tired of hearing people come to me about the things he said and did with me and after me and even before me and of him still harassing me even though I have a no contact order on him and there's nothing that can be done it seems like or at least nobody wants to do anything to actually help me at this point he has caused me to lose my son have issues getting a job be homeless and so much more and it's emotionally and at this point even physically texting because I am literally worrying myself sick with all of this stuff and I want action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. 
XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2021-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Dear CFPB, Please find my complaint against XXXX XXXX for deceptive business practices. I submitted my Complaint regarding home owners insurance policy which was paid by some Third Party Payment Services who acted on behalf of some Mortgage Company. 

The amount of payment was not matching my " escrow records '' prepared by XXXX XXXX XXXX XXXX This payment lacked ANY information who is Third Party Payment Services and why they have access to my escrow account.

I asked XXXX XXXX XXXX agent, XXXX XXXX, to disclose corporate identity of Third Party Payment Services ; their contact information and the name of the agent who sent this payment on behalf of some " mortgage Company ''. 

But I received an electronically signed letter from purportedly XXXX 's employee XXXX XXXX, without a last name, without any contact information, no address, no phone - who informed me that everything was done by some system who does all adjustments and who automatically sends payments. ( and letters as well ) XXXX XXXX did not answered my questions re Third Party Payment Service corporate identity and referred me back to you if I have further questions- which I do. 

I still waiting for XXXX XXXX to provide me information who is this Third Party Payment Services company and that is their corporate name, contact information ( address, phone number, email ) and the name of their agent who sent this payment. 

XXXX XXXX said that the payment was made by my faux " mortgagee '' PennyMac. 

This is not true. The payment came from som

e Third Party Payment Services who was acting on behalf of some Mortgage Company. No references to PennyMac at all. I clearly asked many times why this payment was made by some Third Party and for
corporate identity and contact information for this party. 

Now I have a robo-signer XXXX XXXX I am not sure if this is her real name since anyone can put electronic signature on the letter which is coming from nowhere. ( po box is not the address, this is a box at the local post office where somebody who does not want to be recognized picks up mail ) who tried to mislead me about who made the payments - while conceal from me her own information. 

So, I ask XXXX XXXX again, please provide me corporate identity for Third Party Company who made the payment, their contact formation, their phone number and email and the name of their agent who was authorized by PennyMac ( or someone else ) to make this payments Please provide me full name for XXXX XXXX employee XXXX XXXX, and her real address and phone number, so I can stop by at her office and talk about this matter in person. 

Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third part involved. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Also, pursuant 15 USC 1681b ( 4 ) ( c ) ( 2 ) I demand the removal all inquires being reported.

Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX 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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hi, I am writing my concerns regarding the accounts I found in my credit report. They are not mine and I do not recognize them. My memory does not have these items at all, and I think I am victim of identity theft because its obvious if these accounts are not mine. 

I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a corporate credit card from Citi XXXX XXXX back in XX/XX/2021. Along with the card, there were multiple packets included with it with various travel programs & benefits : baggage insurance, travel accident insurance, etc. One of the prominently featured benefits advertised was a XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. The fine detail said that after a XXXX check program was purchased, the account would be credited within 2-3 statement cycles ( 6-8 weeks ). The {$85.00} I paid for pre-check never came off, and by XXXX there was still no credit and Citi requests me to pay the balance. The payment portal has no dispute or message feature to inquire or provide proof of purchase either to request the credit. I finally called Citi and asked why there is still a balance and about the program, and they insisted it must have been a benefit advertised by my company and no one has heard of the program including the supervisor on duty. I called the number on the back of my card : XXXX I don't think it's responsible for Citi to advertise these benefits and claim to have no knowledge of it later. I would not have purchased the XXXX Pre Check had I not been led to believe it as a benefit. Thankfully, nothing happened on my trip to require travel insurance or an accident benefit, as it would seem that Citi would similarly deny any such program existed. At a minimum, an email or payment portal message of some kind or even a letter should have been sent if program benefits have changed or expired in anyway. I have scans of the physical documents that accompanied my card including the terms and conditions of the advertised program.

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
I had 4 accounts in collections due to hospital bills with Benuck and Rainey ( a collections company ). In 2020 I was financially able to call the collections company and pay off all the debt. Today I received an email from my credit reporting agent ( XXXX XXXX ) that my score had gone down and that I have four delinquent accounts. The accounts were now back on my credit report as delinquent. I have included a screen shot showing my credit report and showing the payments that I made back in 2020 to Benuck and Rainey from my bank. I have worked really hard to fix my credit and this issue is really upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine.

This is that account : XXXX XXXX XXXX XXXX Thank you for understanding )

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous.

Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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