vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft MIDLAND CREDIT MANAGEMENT # XXXX BALANCE OF {$6100.00} Enclosed are the following : A copy of my credit report I received from your company listed XXXX XXXX XXXX The fraudulent items are circled. copy of credit report I contacted them many times and Dispute this Fraud account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
The fair credit reporting act requires all consumer reporting agencies to ensure the fairness, accuracy and privacy of all credit reports containing consumers. I have notified equifax that there consumer report of me contains fraudulent and inaccurate items.As described in the fair credit reporting act pursuant to 15 USC 1681e ( 4 ), 15 USC 1681 ( A ) 1, 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ) inaccurate items must be removed .Equifax still has not given me a list of names of all my friends, neighbors, and etc they interviewed during there investigative consumer report to determine the inaccurate items were accurate pursuant to 15 USC 1681a ( e ) .The fair credit reporting act says they have 5 days to disclose that information to me pursuant to 15 USC 1681d ( b ) .I have included another credit report of mines to show the inaccuracies Equifax consumer reporting contains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: LEXISNEXIS
State: IL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am XXXX XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MD

Complaint narrative:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
XX/XX/2022 Reached out but no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I send a dispute letter for an inquiry that was on my XXXX report to PAYPAL via SYNCBPAYPAL on the XXXX of XXXX but it came back undeliverable. I use the address on my report which was XXXX XXXX XXXX XXXX, MD XXXX. 

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with PAYPAL via SYNCBPAYPAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with PAYPAL via SYNCBPAYPAL for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX consumer which is Me contacted American First Finance to inquire about the 1009c that was filed under my social and account number via the UNITED STATES TREASURY OFFICE. AMERICAN FIRST HAS CANCELLED THE DEBT VIA THE 1009C YET IS REPORTING DEBT AS OWED. DUE TO THE BANKRUPTCY ACT OF 1933 AND THE TRUSTEE INDENTURE ACT ALL DEBTS ARE THE RESPONSIBILTY OF THE UNITED STATED VIA TITLE 18 USC 8.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

AMERICAN FIRST IS COMMINTING FRAUD ON CONSUMERS OF THE UNITED STATES AS THIS ACCOUNT WAS FOR HOUSEHOLD PRIMARY GOODS. AMERICAN FIRST HAS LISTED ACCOUNT AS RETAIL INSTALLEMENT AGREEMENT WHICH IS INCCORRECT AS IT WAS A CREDIT SALE PER THE LAW. 
AMERICAN FIRST HAS CHARGED THE DEBT OFF ON ITS TAX ROLE AND COLLECTED VIA THE 1099A AND 1099C. AMERICAN FIRST AND ALL PARTIES ARE COMMITTING FRAUD. 
THE CONSUMER CREDIT CONTRACT ALSO LACKS THE REQUIRED NOTICE PER THE LAW : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
( c ) Compliance with the requirement

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MO

Complaint narrative:
This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} Bankruptcy : Discharged XXXX Reference Number 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 2022-03-01 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-01 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: Ocwen Financial Corporation
State: DE

Complaint narrative:
There are derogatory remarks on my three credit reports as reported by phh from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with phh so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OH

Complaint narrative:
I took out a loan for {$1500.00}. I agreed to 4 monthly payments of {$600.00} in order to protect my credit score as I was getting behind. I have paid {$1800.00} so far for the third month. I called them to check the last payment date I was told I would have to pay another 9 months of {$600.00} if I didnt make the pay off amount. I asked 2 weeks ago what the pay off amount would be I was told approximately {$1200.00} mind you Ive already paid {$1800.00}. I called again approximately 1 week ago the payoff amount would now be around {$1800.00}. I couldnt do that so they will take out another {$600.00} on the XXXX plus I would owe another {$800.00} starting the XXXX which would keep going up daily. I called them to complain and they said that I obviously didnt read the agreement. That would be correct I read some but not all. I went back and found a page showing that they charge % XXXX. I was stupid for not reading all the information however I didnt know that anyone could even charge that astronomical amount. I am very upset about this I dont have much money I am on XXXX  for a XXXX  XXXX and that is a low amount of money to receive. I want everyone to know about these people. I found out they are on a reservation. I thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( XXXX XXXXXXXX. XXXX ) I have not initiated any transaction with ONEMAIN FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I received an email saying CBNA company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Repeated statements for Checking Account opened at Bank of the West, XXXX XXXX with fraudulent ( non-existent ) person. Correct address and last name as current residents, however made up first name. 

Account was likely opened without any proof of valid identification.

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 2022-03-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is XXXX XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance {$990.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - Bankruptcy chapter XXXX Reference Number 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 2022-03-01 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: AFNI INC.
State: FL

Complaint narrative:
Settled debt with company called " XXXX XXXX XXXX ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process.The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : {$7000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1700.00} XXXX  ( Original XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00}

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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We refinced with BMO Harris in XXXX time frame 2021. They sold ( moved ) the loan to someone else. We are on auto payment each month everything was working fine until XX/XX/2021. A payment was applied on XX/XX/XXXX and it was not made by us. so when the end of the month came no auto payment was taken out. we have followed up with a few differnet people and finally have been talking to a VP of loans from BMO Harris They had us follow a series of calls and seversl request to find out where the payment came from and for them to correct it.. Another month went by and no resolution. and now it is XXXX and still not correction to the problem. We contacted BMO Harris and moved up the ladder to another person higher. We tried and followed their suggestions. We had many contacts and follow ups since XXXX. 

We were assured by a VP of loans that it should be corrected and now end of XXXX stil no correction to the problem - per her suggestion we were told to contact you We have made our XXXX and XXXX payments so we are all current but with different correction they tried to put on our accts they even took money out that was ours and not part of the payments Recapping, since XXXX per the phone application ( and in live discussions her application shows something else ) it shows we are 2 months behind. Today 's live call passed the buck of getting this resolved to you and submitting this complaint. 

Please help

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I received an email saying XXXX company check my credit for mortgage in zip code XXXX. I don't live in the area it's not me. I didn't apply for any mortgage. Please stop this.

Company response to consumer: Closed with explanation