vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 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: SC

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NJ

Complaint narrative:
Dear, Sir or Madam, I am writing today to exercise my right to question the validity of the debt your agency claims I owe perused to the FCRA ( Fair Credit Reporting Act. ) As stated in section 609 of the FCRA, " A consumer reporting agency is not required to remove accurate derogatory from a consumers file unless the information is outdated under 609, or can not be verified. as is my right, I am requesting verification of the following items. 

XXXX  Equifax XXXX  Account Name : City Select Auto Sales MISSING MISSING Account XXXX MISSING MISSING Balance : - MISSING MISSING Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  XXXX XXXX Balance : {$6400.00} {$6800.00} {$6800.00} Account Name : MISSING MISSING XXXX XXXX Account Number : MISSING MISSING XXXX Balance : MISSING MISSING {$5200.00} Additionally, I have highlighted these items on the attached copy of my uploaded statement. Im aware that section 609 requires you to have verifiable Proof of my signature. Furthermore, if all of my information is the same information, from the same place, why are there reports in some bureaus and not in others also, why is the information given not the same? Please send me proof my signature and information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
State Collection Service , Inc. initially mailed me on XX/XX/XXXX which was received on XX/XX/XXXX with a letter telling me I had 2 accounts each of {$2100.00}, that were in collections with them. This was the first contact I had had with them. 
I sent them a certified debt verification letter that was received by XXXX XXXX on XX/XX/XXXX to which State collections never responded to verify the debt, leaving themselves open to litigation. 
On XX/XX/XXXX another letter was sent by State Collections which was received by me on XX/XX/XXXX informing me that this unverified debt is seriously delinquent. 
I believe the debt to which they are referring to is part of a debt currently being disputed in court with both the insurance company and provider and will soon be dismissed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello Team - There are multiple transactions from my Bank of America Checkin account between XX/XX/XXXX to XX/XX/2021. I was out of the country with my family from XX/XX/XXXX to XX/XX/2021 and during my absence a new debit card was delivered to my home address and looks like someone got that card and did transactions of more than {$6300.00} from my card. When I came back to US on XX/XX/XXXX and checked my account around XXXX then noticed that someone is doing continuous transactions from my account. I called customer care to report problem then they froze my account to stop further transactions but for further research and processing they asked us to visit branch with photo ID. When I went to branch they mentioned it will be handled by fraud dept online and they can not help. Then again I called customer care in evening, they repeated the same thing to visit a branch and call from there, After back and forth with bank and Customer care I got an appointment with one of the bank rep on Wednesday XX/XX/XXXX, then after verifying our identity from there we called fraud dept with the help of bank rep, it was an hour long call and she discussed about each transaction and told us she has registered our complaint and I will get our money back between 10 to 90 days. We felt little better as they all assured that I will get our money back and I were waiting for same ... 
Yesterday, I noticed that there was a letter in my mail that my claim has been rejected and reason mentioned in the letter was " these transactions were authorized by me ''. which is absolutely wrong as I never got that new debit card and not at all aware who received it and used it ... 
I have again done appeal to bank yesterday XX/XX/XXXXand waiting for their response.

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 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I checked my credit report and saw a debt from a collector named XXXX XXXX XXXX XXXX. I didnt know what this was until I contacted the agency. I found out it was a medical bill but didnt know when it was from. I have not received any written notification or bill from anyone prior to me getting a collections on my report. I contacted the agency and found out where it was from. It was from a hospital visit where they contract a private doctor to see patients. Well the hospital has my insurance information but apparently they do not. They could have easily went to the hospital and got my information but nope, they automatically report it as delinquent to my credit without contacting me about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
USAA is reporting a late for XX/XX/21 and I would like it removed. I recently have been going through a hardship because of Covid 19. I have had this account for a very long time, and have always been on time and never made a late payment. This was genuinely a mistake and I ask that USAA makes a goodwill adjustment for a loyal customer. My hours have been cut, and I have had enough money to barely scrape by. I ask that they please remove the late from my credit file. I was never late before and continue to make payments on 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 2021-04-03 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
Hello, my name is XXXX XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Yesterday I received an email stating that my account had been locked due to too many unsuccessful signin attempts. I have not attempted to sign in recently, so I suspect that it was a hacking attempt. ( I did check the email, which came from a legitimate address - it seems to be the security company linked to the mortgage, XXXX I clicked on the link to reset my password and got to the two-factor authentication page. I tried text, email, and a phone call, but I never received a security code. This left me concerned that someone HAS hacked into my account and changed my information. 

My next step was to try to call the company. I used their " customer service number '' - the only number that exists. It claims you can get an agent there for a whole variety of concerns, including fraud. But it is a purely automated number ; there is NO option to get a human being and no option to report suspected fraud or get help with a locked account. If you try 0 it drops the call. 

The automated information also claimed the balance on my loan was XXXX. Of course I'd be delighted if someone hacked my account to pay off my mortgage, but this further makes me worry that someone has gotten into my account. 

I am very web savvy, but there is no email address or phone number anywhere on the internet that provides a way to contact this company. Other complaints to the CFPB have the same issue. How is a company that handles trillions of consumers ' dollars - and that, by the way, NONE of us chose to do business with ( like others my loan was sold to them ) - allowed to operate without a way for people to reach them when they are concerned their money has been stolen? I want my complaint resolved, but I also think this company should be forced to behave better.

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 2021-04-03 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase is reporting lates for XX/XX/21 on a couple accounts. Due to the unforeseen events with Covid 19 my employer was affected and therefore I was as well. My hours have been cut, and I have been barley scraping by. XXXX was a very hard month for me but I have been a long time loyal customer. I ask that Chase make a goodwill adjustment for things beyond their customers control. I would greatly appreciate if they removed the one late for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
We moved into XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We have the lease and move-in items checklist proving what we moved in with per signed lease agreements. Upon moving out of the apartments on XX/XX/XXXX we received a bill of listed items that had to be done by their maintenance staff. The listed items were false and inaccurate, one of the items was washer and dryer removal. The charges were submitted to NATIONAL CREDIT SYSTEMS credit agency on XX/XX/XXXX. I have the original lease documents proving these were inaccurate charges as we moved into the apartment and out of the apartment with our own washer and dryer. On XX/XX/XXXX I tried to dispute via XXXX with the dispute being verified as accurate. I attempted to dispute this item again onXX/XX/XXXX with the dispute being marked as " completed investigation of FCRA dispute - consumer disagrees ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Possible Financial Inc
State: OH

Complaint narrative:
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: PA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: NAVY FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Navy Federal Credit Union is reporting erroneously on my credit report. I recently took a look at my credit and noticed that the two accounts I have with them are appearing as closed accounts. I was very confused, as I never closed these accounts and no one told me that they would close my account. I continue to make payments on this account, and this has been open for years. If these accounts close, they were done so erroneously and I ask that they please bring them back into open status and current status as I ask that they remove the XX/XX/21 late. I have been a long time customer and I ask that they please fix the mistakes on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Synovus Bank
State: OH

Complaint narrative:
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Shellpoint Partners, LLC
State: WI

Complaint narrative:
We had a mortgage with XXXX, also known as NewRez. During the Covid-19 crisis we were granted, in writing, forbearance relief of 6 months. This forbearance relief allowed for XXXX  payments for 6 months, with written confirmation that this will NOT affect our credit nor create any negative credit. We did not pay our mortgage for 4 months, then sold the property and paid the mortgage off in full. XXXX has hit both of our credit reports with a >120 day delinquency. We are trying to work with XXXX and also with NewRez to correct this on all credit reports, but as of this writing we have not had success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to practice my right to challenge questionable information that I have found on my Experian credit report. I do not recognize the information listed below and request that you investigate these accounts and ascertain that these accounts are listed accurately and that you verify these belong on my credit file. These accounts have impacted my ability to receive credit and have provided unnecessary inconvenience. As you know it is my right to request a proper investigation. According to the Federal Credit Report Act, you are required to respond to my dispute within 30 days of receipt of this dispute. If Experian fails to offer a response to my dispute, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue. The following items I do not recognize. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and Public Record USBK COURT XXXX XXXX  XXXX XXXX I have also attached a current copy of my drivers license make sure my address is showing current on my file please.

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 2021-04-03 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: TN

Complaint narrative:
Experian is reporting an account that not my account. I have made several attempts to get this account removed, but there are coming back Certified with no information as to why this is not my account. You will see the supporting documents attached.

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