vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: MN

Complaint narrative:
Equifax is not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of these accounts and have never received any communication from the bureau to show that my requests are being looked into. My most recent credit report shows the following accounts are UNKNOWN no creditor information is listed and these accounts are also showing not in dispute, when in fact they are in dispute. The accounts are as follows : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureau to fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: NJ

Complaint narrative:
TransUnion included my brother 's student loan accounts into my account to calculate my credit score and on my credit report. I asked them to remove it and it hasn't been resolved yet. I need to get my credit report correctly as soon as possible in order to apply for a home mortgage.

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 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
This account was added to my report end of last year. I have never received correspondence from the company, a dunning letter, or any validation. I have disputed this account twice with the bureaus requesting that the account be verified as I have never had an account in my name with XXXX which Absolute Resolutions shows as the original creditor ( the only thing I have ever had with XXXX was an authorized user account with my mother - which is active ), so I am genuinely confused as to what this is for. Could it be fraudulent? I have been working hard to repair my credit from hardships that happened back in XXXX when I became very ill and was out of work so this new debt for something I have never heard of was completely terrifying. I have sent two rounds of disputes to the credit bureaus requesting verification, but never received any written responses or any proof of this account. Additionally, I have sent two validation letters to the creditor with no response, which is a violation of my consumer rights. I wanted to try submitting a request to you guys before submitting any complaints with FTC and my Attorney General. I know there is a lot going on with the pandemic right now and I have been very patient in a resolution, but it is completely unfair that the bureaus have been given leniency in addressing requests and then failing to do so while consumers sit with legitimate errors and possible fraudulent accounts on their reports. So that's why I am here, I know you guys are essentially Big Brother over the bureaus and creditors and will look into this and provide at minimum some information which the bureaus and the creditor have now failed to do numerous times. I sincerely appreciate your help in this matter as I am very concerned that it may in fact have been a fraudulent account so I really need help in looking into it - thank you kindly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
A representative of " southwest credit XXXX '' in XXXX Texas continues to call and tells me I have outstanding debt. They state my current home address isnt what's in their file. I tell them to send a letter to my current address then. Clearly the name and phone number is verified but they state I, I have to verify more info before they will discuss- it's " company policy ''. They want more personal information but wont discuss what's owed nor who is owed. They refuse to send a letter to my current address until I give them more personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
I have received two notices within the past 2 months from XXXX XXXX in XXXX  XXXX in the amount of {$270.00}, taken out in my maiden name XXXX ( the first name spelled in the loan paperwork XXXX and my maiden name XXXX. I never took out a loan from this lender and they noted that this loan was initiated on XX/XX/XXXX. Today XX/XX/XXXX I received an email letter from yet another XXXX XXXX lender ( Ace Cash Express ) stating that I owe {$570.00} for a loan that is now in collections under the name of XXXX XXXX again I never took out a loan from this company or in this amount. When I called to discuss with them they told me that they were going to send over a " Forgery Affidavit '' that would need to be signed by me and notarized along with my case number from the police. I asked when the loan was originated and they told me that it was XX/XX/XXXX. I contacted the XXXX XXXX Kansas Police Department to file my case and they told me to use the following number # XXXX for both disputes and to file this scam report with the FTC.Gov as well as the IC3.Gov websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: SC

Complaint narrative:
XXXX XXXX has a hold on my account. It's been over a week. No one has told me what the reason is of what I need to do. This is causing me severe financial damage as I can not make any transactions. 

I am about to loose my home, cars and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is still reporting me as having made late payments in XXXX and XX/XX/2018. I lived in XXXX XXXX at the time when wildfires cut off cell phone and internet access. Also, US Bank at that time did not allow me to make automatic payments from my account. I respectfully request that they remove these reports of delinquent payments as they were caused by a wide scale natural disaster.

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, My name is XXXX XXXX. I received an unemployment EDD  prepaid card, but I am not able to activate it to use the funds, because I am XXXX years old. Bank of America is refusing to activate the card, because they want my mother to be on the card and they send me back to the sponsor which is EDD. It is almost impossible to speak with an agent at EDD, when I finally get hold of someone after holding 4-5 hours, I get the same response. There is no way EDD can add another persons name on the card. And they tell me to call Bank of America back. EDD also emailed me a formal letter saying they cant add my mother. It has been 2 months I cant get my unemployment benefits because Bank of America will not activate my prepaid card. Bank of America insisted that EDD can add my parents name on the second line of the address, but after EDD added my mothers name on the address line, Bank of America still can not see her name on their side. Please help I am so desperate.

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 2021-03-17 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:
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 : XXXX. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX, I filed a complaint against Equifax ( Complaint ID # XXXX XXXX. The company replied and the matter still has not been settled. The inquiry ( XXXX  ) IS STILL SHOWING ON MY CREDIT REPORT even though they said it was deleted ... 
I pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XXXX I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent XXXX times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XXXX  XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I noticed my FICO score had dropped by over XXXX points in late XXXX. I obtained a credit report and noticed an account placed for collection that was not my account and had that I had never seen before. I filed a complaint online with all three credit reporting agencies in XXXX with no action taken by the bureaus. I have discovered that this is a common practice ( not a very thorough investigation ). On XX/XX/XXXX I sent a certified letter to the collection agency requesting that they remove the erroneous filing. I have not received any response. The name of the firm is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA  XXXX. The charge is for {$250.00} from XXXX XXXX. I have never heard of these companies nor have I ever had any transactions with them. My credit is spotless and this is a complete injustice. Also, disturbing is how a {$250.00} charge can reduce your FICO score by XXXX plus points. This system is broken! Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records  or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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 recently submitted a report with XXXX  about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the XXXX XXXXold me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: CORELOGIC INC
State: LA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX  XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX {$16000.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Early Warning Services, LLC
State: LA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXXXXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation