vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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:
XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX XXXX {$450.00} This account does NOT belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX. 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX Balance {$450.00} This account does NOT belong to 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 2021-08-03 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: UT

Complaint narrative:
On XX/XX/2021 It was reported to XXXX  that my account with XXXX is {$12000.00}. past due and over 180 days late, This is not correct as when my loan transfered to XXXX from XXXX XXXX it was in flight partial claim modification that was already complete. Since my account has been with XXXX I have made the full payment every month.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
First Bank send a letter stateting that I have a over draft account by XXXX cents and that I should go to the branch and paid the amount before five days so I don't get charge for extra. I went to the XXXX XXXX XXXX Branch to make my deposit and close the account and they did not let me because the accout was inactive. I told tha manager that the account was inactive for many years as it was form another bank ( Santander ) that merger with First Bank on this year. I told the Branch manager that all I want is to paid the over draft amount and close the account, but she did not help me and said to me that I have to wait for somebody to re-activate the account and paid any other bank charger. I told her that is unacceptable as I never open a account with this bank and that I will only paid the over draft even due I don't accept it as I left the account from Santarder in good standing many years ago. Still she never gave any support on my arguments and never offer a wait to finalize this XXXX situation. First Bank must teach there employee to manage this type of situation. Very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Services, Inc.
State: TX

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

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 2021-08-03 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 am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX Apartments charged my family for ( nonexistent ) damages. XXXX XXXX has no record of me or my husband living there and can not prove the damages. 
XXXX XXXX Apartments never submitted a bill, email or phone call. Never contacted me or my family regarding the damages. 
XXXX XXXX Apartments submitted a claim to National Credit Systems, again without contacting us.

National Credit Systems fraudulently filed the claim. By law : Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you : the amount of the debt, the name of the creditor, information about what you can do if you think there has been a mistake or you dont actually owe the money. You have thirty days from receipt of this letter to dispute the debt. National Credit Systems never gave us any of the above information or allowed us to file a dispute claim.

We have been calling, asking for the correct paperwork to file with the National Credit Systems for over 8 months. No information has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CT

Complaint narrative:
this account does not belong to me. i have no knowledge of this account and have no business with the creditor

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 2021-08-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Opportunity Financial, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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:
Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. XXXX  didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT XXXX  Removes the inquiries as well as TRANSUNION. Thank You! I have provided my Identity theft report and my State ID

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 2021-08-03 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: MD

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Afirm changes my account. With out my say so. I bin working with the company. And I getting the runaround. XXXX XXXX XXXX in CA. They have the paper work. It was XXXXdo you need me to fax paperwork to you. it's is not showing on acct.i send over-there showing on my bankstatement SHOWING THAT IT WAS .know answer. The bank is working change back. Can you help? I Thought it should be reported. I, what my money back.q

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I have tried to remove my PMI private mortgage insurance fee requirements from my mortgage a couple of times and still get denied. Even though my Tax Appraisal value went up for my county and I sent it into Flagstar Bank. I also submitted pictures of remodeling etc. they have me at 83 percent and they should have me lower than if they used my priginal tax appraisal which they refused. At this time my home is over XXXX square feet, I only owe {$130000.00} for a one story ranch house in XXXX Texas on a large lot. Also I have never missed a payment since I financed 5 years ago. The house is valued over {$230000.00} and thats the low end for tax appraisal value. The sale of my property would net me {$100.00} a square foot putting my value at {$360000.00} XXXX they know this but will not remove my PMI unless I get a pricey appraisal in which I dont have the money to do being a single parent. The attorney general and several banks in Texas use the value of the counties. I can not understand why my bank wont. The additional {$200.00} would come in handy to meet my other expenses I have been asking for an adjustment for several months. Texas is going through a high market and I would be able to sell easily but then I would not have any where affordable to live. Yet my cost between insurance, taxes etc keeps going up and the mortgage company isnt trying to help 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 2021-08-03 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: NC

Complaint narrative:
I am so tired of equifax credit reporting agency! I feel like im being ignored and taken advantage of and im having XXXX XXXX  because I worked very hard to protect my consumer report and equifax is allowing any company to furnish unauthorized information on my consumer report. They recently deleted 11 unauthorized inquiries that I have proof of in the documentary evidence that I am attaching to this complaint. They placed the 11 unauthorized inquiries on my consumer report during XXXX without my written instructions and or consent which identity theft and they violated federal law. My reputation was damaged for nearly two years and caused me financial hardship by paying higher interest rates, being turned down for loans for having too many inquiries on my consumer report. Within that time and because of these unauthorized inquiries and financial hardship I had to spend a lot of time away from my family to be a my job in order to pay the goods and services that I had to finance during that time and that took a heavy toll on my marriage that ultimately ended in divorce because equifax is unfairly taking advantage of consumers. They are also reporting a car loan on my consumer report from XXXX XXXX XXXX XXXX that i did not authorize them to report or give them written consent to report. That auto loan is in Cease and Desist with XXXX XXXX XXXX XXXX and should not be reported on my consumer report. CFPB i'm begging for your help to protect the consumer from this federal law violator. I have mailed equifax my notarized affidavit of truth and my invoice for damages listed above on XX/XX/ and they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Barclays XXXX XXXX  Credit Card Credit card was misplaced and locked in XX/XX/2021. Shortly after I found the card and called to unlock it. I was told it wasnt locked, however the card did not work at all. I called multiple times and this was not resolved. Now 2 months later, I still can not use the card. Last week I started calling daily. The automated system when you call say its locked, but the representative says it is not and should work. More than once, I am told they can not help me, and they transfer me back to the initial recording and it starts all over. I have asked multiple times to talk to a supervisor, and am retransferred to the initial recording again. When I ask the next representative about it, they say, that person didnt leave notes so they dont know whats happening. I finally reached someone to help last week who tried to help us, but it was not resolved. He said it must be a security issue and its not his department. He said Thursday someone would call me back within 24 hours to resolve it, and no one called us back. I called back again today, and all 3 times, I was told they can not help me, and they either hung up on me or transferred me to the original recording again. This is unacceptable and needs to be resolved immediately.

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 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
I was involved in a hit and run in XXXX of XXXX  my car was minorly damaged, as a result of this accident i lost my job due to unreliable transportation, at that time in XX/XX/XXXX i spoke with American Credit acceptance and requested to voluntarily return the vehicle i submitted the address and requested auto repair quote, i had gap coverage and they said it was approved and would be taken off my credit report. in XXXX, i called again to resolve as i never received any paperwork abiut the car return and realized it was still reporting on my credit. i attempted again to return the vehicle they said they were going to settle the account and i was to receive my settlement offer. NEVER RECEIVED DOCUMENTS. called again in XX/XX/XXXX re did the same settlement process was approved again to settle and they once again never processed it. with each request i have confirmed via -phone and email records of my previous request it was confirmed but that they never processed. in the meantime they are still reporting this on my credit and inflating my future settlement amount by continuing to charge my account and reporting the vehicle still in my possession, if they would have processed my request initially i was only two months behind on my payment and the negative impact the settlement would have had would have been way less impactful. this is negligence pure and simple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
After being approved for the loan ( XXXX  $ ) I expected to be paying back around XXXX-XXXX  . However the company is charging me an APR of 776 %! When I saw that I thought even with my credit that can't be right. So I did some research and found that there are limits to how high you can set APR and that far exceeds the limits based on my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Seattle Service Bureau, Inc
State: UT

Complaint narrative:
National Service is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt, I immediatley called and settled the debt. I was unaware about this as I hadn't received any letters which violates my 30 day right to dispute. Either way I settled the debt and am now asking that they remove this from my credit file as it has been satisfied. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation