vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus XXXX, XXXX  and Equifax. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX  XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus Experian, XXXX  and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes XXXX sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. 

Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX  XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice.

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 2021-03-23 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: NY

Complaint narrative:
I'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-03-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XXXX XXXX XXXX canceled my XXXX XXXX cruise and gave me a credit for {$390.00}. On XX/XX/XXXX, Barclay sent me check # XXXX. I misplaced the check so I asked Barclay to send a replacement check for {$390.00} on XX/XX/XXXX. On XX/XX/XXXX the they stopped payment on that check but I did not find out until XX/XX/XXXX. Then on XX/XX/XXXX they sent me a check for {$70.00}, check # XXXX. I have no idea where that amount came from since I was expecting the check to be {$390.00}. I deposited that check thinking it must have been an overpayment for something else. I got a notice from my bank XXXX XXXX XXXX that the check for {$70.00} XXXX XXXX ) was returned due to a stop payment on XX/XX/XXXX. My bank charged me {$10.00}. On XX/XX/XXXX I again sent a message to Barclay telling them that the check I received was not the amount I was expecting. I then called Barclay customer service and the person I talked to apologized and gave me 100 points for that bank fee of {$10.00}. She also said they were going to replace the check I lost and confirmed it was going to be {$390.00}. This occurred around the end of XX/XX/XXXX. On XX/XX/XXXX there is a credit for & XXXX and then on XX/XX/XXXX they sent me another check for the same amount of {$70.00}, check # XXXX. I still have this check and did not deposit. I once again called them about the {$70.00} and again said the check was suppose to be for {$390.00}. I was again told that I would receive my {$390.00} check on XX/XX/XXXX. I received a check for {$130.00} - no idea what this bank is doing to me! On XX/XX/XXXX I found the missing check for {$390.00} and not realizing that a stop pay had been put on it I deposited it and again it was returned by my bank, charging me another {$10.00}. I feel I am getting nowhere with my requests since this has been going on for 5 months. I have made numerous calls to their Customer Care department asking to speak to managers about this issue. Even the managers told me I was going to get a check for {$390.00}! Barclay can check my call records showing the above. 
So on my statements are these amounts XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX idea what this is for!

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 2021-03-23 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:
This is my second letter requesting your company to correct your own mistakes. I have received no response yet you continue to report to the credit bureaus that there is a balance owed on the above referenced account. I sent your company the payment receipt showing the balance I paid at the time and the ending balance asXX/XX/XXXX The receipt does not even reflect the balance that you are reporting. I am once again providing that for your records. 
It is a violation of the Fair Debt Collection Practices Act to continue to report information on an account in dispute. I am requesting that you report this account with a dispute status or delete the account completely with all three credit bureaus. 
I expect a response within 10 days of receipt of this letter or I will be forced to file a complaint with the Federal Trade Commission. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I applied for my three credit report and saw this on the XXXX and XXXX  report. I never applied for this loan and have no bank account that had money put in nor paid for the installment. This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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:
I'm lost, I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deepl affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am being contacted by a new Collection Company regard a Medical Debt that was not mine rather paid back in XXXX and XXXX. I reported the previous Collection to the CFPB, XXXX, XXXX, and XXXX. The previous Collection Companies deleted the debt from the XXXX and the original Creditor applied for payment from my insurance to clear the debt in XXXX. I am requesting the collection company remove the debt and no longer contact me or my family in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: MoneyLion Inc.
State: WY

Complaint narrative:
MoneyLion installment loan closed XX/XX/XXXX. XX/XX/XXXX I had disputed the account on my XXXX  credit report because They had incorrectly reported the status as late or in collections for a couple months. A week later I got a message the dispute was complete and my credit report was updated. I looked only to find my score had dropped and the update to the moneylion account was even more incorrect. It now shows the account in charge off status from XX/XX/XXXX to present XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX so the charge off status showing from then until now, all 18 months need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: TX

Complaint narrative:
I have a mortgage with Oceanside Mortgage Company. I have been making my payments all this time for years. suddenly without any notice, I learned that my payments changed. Oceanside stated that they are now paying my taxes and insurance. I was never given a notice or an option or anything. I informed them that I want to pay my own taxes and insurance. This mortgage company is acting illegally and are violating my rights. They did this as soon as I requested the payoff amount on my mortgage. I told them that I want to pay off the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I had two charged off accounts from 2019 with Barclay 's and have been trying for months to pay it off and settle it and have received nothing but grief. First it was sent to XXXX XXXX XXXX then it was sent back, then back to XXXX, then back to Barclays. I've been told by several people that " we can't locate your account and don't know where it is ''. 

No one can find the accounts and as of today I have made more than 314 calls over a 3 month period without resolution!

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 2021-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im submitting this complaint against Equifax, andXX/XX/XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Medical Administrators, Inc
State: CA

Complaint narrative:
I paid {$6.00} for online product ( XXXX ). The company started charging my credit card for services I did not authorize. I called my bank and shut down the credit card. I tried to call/ cancel the promotion however the company does not have a contact link. I received papers from a debt collector saying I owe {$110.00}. When I contacted the debt collector they day I owe {$230.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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:
I don't know what to do. I am a victim of identity theft and I need help because my credit has really ben affected. I have been asking for help and my lawyer to me to submit a complaint with the FTC. I have completed the report and have attach my documents for proof of ID. I can't take this, my family and I are being deeply affectby the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a Business Checking account with Bank of America in XX/XX/2020. 5 days later, my account was closed without explanation. There is no one available to speak to at the branch regarding this matter, I have been given a toll free number for the fraud department for BofA that when called is a non-working number, I have no recourse to dispute the action and my business and personal identification numbers have been labeled " fraud '' and I have been shunned by other institutions and forwarded to XXXX XXXX XXXX The bank is saying they got the " fraud '' designator from XXXX XXXX says the information they report comes directly from the financial institution which has caused myself and my business undue harm. 

I owe no sum of money to Bank of America, yet BofA is reporting to XXXX XXXX XXXX that my account is " Unpaid '' with a {$0.00} balance and the Contribution Reason : Checking Account Fraud which is COMPLETELY inaccurate. I have attached the report I obtained from EWS. After disputing the information with XXXX, their " findings '' stated that they VERIFIED the information with BofA as accurate, which is completely not true. My account was only open for 5 days.

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 monetary relief
Consumer complaint received 2021-03-23 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: NY

Complaint narrative:
I don't know what to do. I am a victim of identity theft and I need help because my credit has really ben affected. I have been asking for help and my lawyer to me to submit a complaint with the FTC. I have completed the report and have attach my documents for proof of ID. I can't take this, my family and I are being deeply affectby the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2021-03-23 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: NJ

Complaint narrative:
XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Are all reporting inaccurate information on my credit report reported by all three credit bureaus XXXX, Equifax and XXXX. These companies are reporting different balances and dates to each credit bureau. I have been asking them for the past 6 months to validate this debt to see if it belongs to me because I was recently hacked and wanted to make sure nothing else was taken as I have been trying to get a house for my mother and noticed all these items being reported. This is a direct violation of the FCRA and FDCPA. Ive given them ample time and as you know I the times we are in we have all been trying to adjust to new changes but not getting a response is unacceptable as I have been sending them letters since XX/XX/2020. Nothing has been updated on my credit report either. How can I make a life for myself if my credit is being taken advantage of by these companies that are suppose to " help '' us. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my XXXX XXXX subscription I get monthly. Update at once, Ive also reached out to a FCRA lawyer since you guys have leaved me pretty much no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I received XXXX into my Cashapp account onXX/XX/2021, I set {$1500.00} to be transferred into my account ending XXXX, and their program said I would receive it on Tuesday XX/XX/2021. On Monday the XXXX I was checking the status and it showed my money was sent to a card ending XXXX on XX/XX/21 at XXXX XXXX ET. I immediately sent a message to Cashapp support, because they do not answer any telephone calls. From their reply email, they said the account was compromised and they closed the account and told me to open a different account and that I should talk to the bank to recall the funds, however the bank said it was too late, it was sent to the correct account, therefore the Cashapp company is responsible for my loss, and it has been reported to the Minnesota Attorney General 's office and the XXXX XXXX XXXX. Where their reply was it was not there fault and tried to place the blame else ware.

Company response to consumer: Closed with explanation