vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: MO

Complaint narrative:
XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: MO

Complaint narrative:
XXXXXXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
A new checking account was opened in my name on XX/XX/21 with Huntington Bank. I was alerted because an account creation email, online banking confirmation email, two email address change and two phone number change emails were sent to my personal email address on XX/XX/21. I reached out to Huntington Bank on XX/XX/21 and they confirmed a new account was opened but would not tell me what email address or phone number was listed on the account. They closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN 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 2021-08-04 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: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
CFPB Case # XXXX-XXXX  was resolved with Specialized Loan Servicing stating in part : " Our records reflect that the account was reported as delinquent after the account was approved for the above-referenced loan modification trial period plan. A manual update was submitted to the credit reporting agencies on XX/XX/XXXX, indicating the account is participating in a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. This update will be received by the credit agencies within 72 hours ; however, it may take additional time for them to update their records and for this to appear in official reporting. Please use this letter as verification of this correction. We regret any inconvenience this may have caused. '' On XX/XX/XXXX I was denied a mortgage due to my credit reports still showing an erroneous 120 day delinquency reported for XXXX of XXXX by SLS. On XX/XX/XXXX I called SLS and was told by XXXX ( teller ID XXXX ) that she would submit a ticket to have the delinquency removed. On XX/XX/XXXX I was contacted by the escalations department and told that the ticket had been denied, I was still considered 120 days delinquent. I asked them to read the XX/XX/XXXX letter which she did while I was on the phone. She promised to put in another ticket and reference the letter. 

We are now at 10 months and counting where I am being denied credit due to this erroneous credit reporting by Specialized Loan Servicing. At no point was I delinquent on my loan, the 90 day forebearance was pre-approved, I entered and completed the trial period of 3 months and my loan was modified. It is clear that SLS struggled and continues to struggle with loan modifications due to COVID. This system glitch has now impacted two loans for me.

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 2021-08-04 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
NO KNOWLEGE OF THIS ACCOUNT. Notified Experian and they will not reinvestigate. Account info Account name XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$38.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 240 Months On record until XX/XX/XXXX XX/XX/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 2021-08-04 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:
On XXXX, 2021 i sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage of and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by equifax breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports.I am a victim of identity theft and did not make the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
Pursuant to 15 USC 1681c-2 at the receipt of an identity theft report a consumer reporting agency has 4 business days to block the fraudulent information from my consumer report.

The response from Equifax, which is attached, not only show that they've received my identity theft report, but has also prove that they've refuse to block the fraudulent information from my consumer report. Which by law they have no grounds to do so being that the request was a mistake by me the consumer, and the identity theft report from the Federal Trade Commission, which is attached, is not a misrepresentation of fact of this fraudulent information, and I did not receive and goods, services, or money for the blocking of this information.

This company Equifax in violation of my rights as a consumer under the FCRA. Also on the paper they sent, they claim these fraudulent inquiries are a factual record of file. A factual record of file by whom? Not only are these fraudulent inquiries unauthorized by me, but I also did not give any consent to any consumer reporting agency to include this fraudulent information to my report.

As written by congress the failure to comply with the removal of these fraudulent inquiries makes you liable under section 1681n of title 15.

As a consumer I am demanding that the following fraudulent inquiries are removed within 4 business days of the receipt of this complaint XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Upon checking my credit report I noticed some accounts on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: NY

Complaint narrative:
NO knowledge of this account. XXXX. Disputed once, and Experian will not remove it. Has been on my report for over a decade. 

XXXX  Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$33.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$96000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 300 Months On record until XX/XX/XXXX XX/XX/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 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: PA

Complaint narrative:
AFNI is the caller ID that shows up when I receive a call. Consistent calls everyday. When I answer and say hello no one ever says anything then they hang up. 

When not answered they dont leave a message either. Its super frustrating. Im not even sure exactly what theyre calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX/XXXX continues to provide inaccurate information to the Credit Reporting Bureaus. The latest is that I resided at XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX. 

This is the THIRD time XXXX has reported incorrect information. I never have lived at this address. Ever. Ever. Ever. 

I have no idea why this financial institution ( XXXX XXXX  ) is allowed to continue to operate unethically. On the XXXX  site, XXXX XXXX ranks 1.04 out of 5, as continue to destroy consumer credit records with complete abandon towards the impact of the small consumer. 

This is fraudulent reporting, again, by 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 2021-08-04 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
I sent a letter to XXXX request that they provide me with " The name of the original creditor, The creditors address and telephone number, The persons name they verified the dispute with and The documentation used to verify the dispute '' they have not honor the request as they continue to be in Violation of the FDCPA 807. False or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID OUT OF MY PURSE AND OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX dba Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Midland Funding, Your company has not verified the alleged debt. You entered false information on my credit report, which I have disputed. You are in violation of the Fair Debt Collection Practices. You gave false information to a credit-reporting bureau. A credit-reporting bureau maintains a system of records protected under the Privacy Act. The law provides equitable relief in the form of expungement of records 5 U.S.C. 552a ( g ) ( 1 ) ( C ) affording civil action against an agency.

As a third party debt collection agency, you are attempting to collect a debt without validation. Your entry on my credit report constitutes limited-content-message under the Final Debt Collection Rule Issued by Consumer Financial Protection Bureau and the Fair Debt Collection Practices Act.

The Federal government documented my stolen identity in the XXXX data breach in XXXX. The information on my credit report alleges the account opened XXXX XX/XX/XXXX, the year of the XXXX Data Breach and became delinquent XXXX XX/XX/XXXX. It is impossible to be delinquent on an account not yet opened. 

The Virginia Statute of Limitation on debt collection is 5-years from the date of delinquency. XX/XX/XXXX ends your ability to collect this alleged debt. Your attempts to collect this unverified and disputed debt exceeds the Virginia Statute of Limitations by 1-year, 5-months and 21-days of a Time-Barred debt. Your attempt to collect this alleged debt breaches the FDCPA in Virginia.

By placing a lien on my home, you are threatening to take a non-judicial action to effect dispossession or disablement of property when there is no present right to possession of the property claimed as collateral through an enforceable security interest. This is an unfair debt collection practice identified by the FDCPA.

I am not responsible for this fraudulent debt. Remove your entry from all Credit
Reporting Bureaus. Release any lien notices on my property and mortgage agencies. I demand the name and address of the original creditor and original documents that prove collateralization of the debt. 

You are prohibited from furnishing information about a debt to a consumer-reporting agency before engaging in specific outreach to me about the debt. You breached Debt Collection Practices ( Regulation F ) Final Rule. 

CEASE and DESIST collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Upon checking my credit report I noticed some accounts I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: TX

Complaint narrative:
fcra violations not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5900.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3400.00} written off. {$3700.00} past due as of XX/XX/XXXX

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX Balance {$41000.00} Status Open. 


XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late.

Company response to consumer: Closed with explanation