vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have been attempting to file disputes of my credit report to Citi Bank. All of my credit reports, XXXX, XXXX, and XXXX  do not have the correct monthly balance. They stopped reporting to the credit bureaus after my XXXX statement. They have attempted to start reporting the XXXX balance but it does not match my credit card statement. I have file disputes with all of the credit bureaus and have had daily calls into Citi bank to try and get this fixed. II have sent in several faxes to their dispute department and they have come back with " inssufient information or No issue found ''. For the Months of XXXX and XXXX, all my reports are showing " no data available '' Citi bank has not been helping me, and seems like they think there is nothing wrong. I have about 15 different credit cards and this has never happened before. It should be a simple fix since they have copies of my credit card statements, but they will not fix it correctly.

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 2021-02-04 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: GA

Complaint narrative:
experian repeatedly reports incorrect information regarding my credit, i have report XXXX ( XXXX master ) is listed 3 times on my report, the company generated a replacement card ( i did not ), i called about a retailers refund and was asked had i received i said no they sent another and another, none of these cards were ever used so they sent and i received a card that i have now which is open and has a XXXX  limit and XXXX  balance the same as when they replaced the first card, i have only one acct with XXXX ) so pls correct this and it is open with a XXXX  limit and XXXX  balance XXXX loan was transferred, paid and full and closed due to refinance with XXXX XXXX  XXXX i have only one mortgage and it is with XXXX  ( pls correct )

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 2021-02-04 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX , XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

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 2021-02-04 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: OH

Complaint narrative:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
This is a declaration of notice of trespass upon private property and unalienable rights. These individuals have cause extraordinary inconveniences and emotional distress and financial difficulties. We have been threaten with cruel and unusual punishment by these individuals in their privacy capacity against i the living man. Our property has been wrongly label as a commercial property. These individuals have no standing too even bring such claims. We demand remedy immediately. The county record is self explanatory of our sole ownership and control of said property which is held in a private trust not within the us. We have given these tresspasser of law many chances in good faith to avoid ligation and provide remedy. In good faith we have provided communications over the last 3 years which we have been victims of fraudulent conduct and malicious intent. Thank you in advance for your time and energy we will assume you will obey the law and uphold your obligations and duties Name : XXXX XXXX On behalf of Company : Rushmore Loan Management Services LLC. 
Fax Number : XXXX Date : XX/XX/2019 # of Pages : 8 ( including cover sheet ) FROM : Name : XXXX, XXXX XXXX. 
Contact Address : XXXX XXXX  XXXX XXXX XXXX, MA XXXX XXXX ] Subject : DEFAULT JUDGEMENT URGENT : STOLEN FORGED DOCUMENT Message : Please see the attached documents. A copy of this documentation has been sent via registered mail ( Tracking No. XXXX ) with return receipt requested. A copy was also sent to XXXX XXXXXXXX XXXX  XXXX XXXX by registered mail XXXX XXXX No. XXXX ) with return receipt requested. This communication is being sent via fax as a courtesy to ensure prompt delivery. 

A release of lien and a reconveyance to XXXX, XXXX XXXX as holder in due course is required by law for the property. Please forward this communication to XXXX XXXXXXXX XXXX XXXXXXXX as they are required to provide the form for reconveyance Provide the certificate or the equivalent of the release of fraudulent lien immediately by mail to XXXX XXXX  XXXX XXXX, XXXX MA XXXX XXXX ] within 30 days. Failure to comply will result in criminal charges, complicity to fraud and liability for damages under state, federal, and international law. 



CC : Consumer Financial Protection Bureau CC : ATTN : XXXX XXXX XXXX XXXX XXXX 

Fax Number : XXXX Fax Number : XXXX Ref ID # XXXX File # XXXX THAT the REQUEST FOR DEBT VALIDATION was re sent via certified mail on XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ), and a NOTICE OF ADVERSE CLAIM was sent XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ). Finally, a NOTICE OF DEFAULT was sent XX/XX/2019 to Rushmore Loan Servicing LLC ( cert mail # XXXX, return receipt # XXXX ) and to XXXXXXXX XXXX XXXX XXXX  ( cert mail # XXXX, return receipt # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Conn's, Inc.
State: AZ

Complaint narrative:
I took out a loan for furniture with this company around XXXX and XXXX. Thye had a promotion at the time that stated if you paid your loan off within so many months you would not be billed interest. 

I had just about paid off a furniture loan of 6k when I decided to get a smaller loan for a bed and used their loan services for a smaller loan around 3k with the same promotion no interest if paid off within a certain timeframe. I had paid off the larger loan within the promotional period and was about to pau off the smaller loan, i had literally 1 payment left which when i paid it did not get applied in time or got applied to the other account. Conns telephone representatives were extremely rude and unhelpful, i felt they did this on purpose to get more money out of me. They are unfair and deceptive when it came to their interest free loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IA

Complaint narrative:
I am currently shopping for car and home insurance, I learned today that there are 2 car accidents listed on a lexisnexis report that are negatively affecting my rates. Both accidents were listed as not my fault. I have the police reports to confirm this. I tried to contact lexisnexis via a phone number given to me by the insurance agent and another number I found on the web. Their answering service does not allow me to connect to a person. I tried at least a dozen times and most of those the call just disconnected without any action on my part. There is no other contact information on the website, and I would like to know how I can correct the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Okay so at this point I am XXXX. In XXXX, Transunion deleted the following accounts : XXXX XXXX {$24000.00} XXXX XXXX {$15000.00} XXXX XXXX {$22000.00} In XXXX, they added these fraudelent accounts back to my credit reports. Not only are they continuing to report inaccurate unverifiable information, they placed these items back on my credit reports with out sending me a FIVE DAY REINSERT LETTER. I did my research and that is the only way they can LEGALLY add these accounts back to my credit profile. So at this point Transunion need to delete these accounts or I just may have to file litigation because this is so illegal because under the FCRA Experian must send be a written notice 5 days before adding these accounts back to my credit report.

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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have filed several disputes with XXXX XXXX XXXX and Portfolio Recovery Associates and XXXX  XXXX  and XXXX. This is an identity theft matter and I have executed an identity theft affidavit and statement to or with Portfolio Recovery Associates and submitted this to XXXX XXXX XXXX. XXXX XXXX XXXX and Portfolio Recovery Associates have continued to report this fraudulent item to my credit report causing me to not get a Covid loan for an emergency due to this report. I am attaching to this complaint the affidavit of identity theft and accompanying documents. This is NOT my debt and I did not open or authorize this account to be set up in my name with XXXX XXXX XXXX and Portfolio Recovery Associates, yet they keep reporting this erroneous debt in violation of the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
I hae been a victim of identity theft since XXXX. I am also a victim of the XX/XX/XXXX data breach of XXXX. 
someone used my information to get medical help and accumulated a debt of {$1100.00}. A collection agency ( Paramount XXXX XXXX  '' placed a collection account on my three credit report. the account is fraudulent and i have reported it to the FTC as such. I contacted the collection agency, the three credit bureaus asking them to remove the collection account from my report per the fair credit reporting act section XXXX. Only XXXX removed the account within 4 days. Both XX/XX/XXXX and XX/XX/XXXX started a " general dispute '' tat takes 30 days and they refused to discuss the reason behind that. I have uploaded all the supporting documents to all involved parties and I feel thatXX/XX/XXXX and XX/XX/XXXX are hurting me by keeping this fraudulent information on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: FL

Complaint narrative:
Hello. I am XXXX XXXX, XXXX who doesn't know English. Your response today, for the fourth time, you haven't sent me in the mail, just like you claim all the time, about my complaint on XX/XX/2020, the letter. I don't understand, what is so difficult to understand here, and why aren't you sending your response to me through mail like you said you would. I do not know how to call you and I do not want to call you. Only give me your response on my complaint on XX/XX/2020. 

If you do not send me the response in 2 weeks time, I will contact the United States Treasury Attorney General with copies of all of my complaints and your responses. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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:
I have filed several requests for XXXX  Equifax and XXXX to remove a fraudulent item from my credit report under the name of XXXX XXXX XXXX and XXXX XXXX XXXX regarding an account that I did not open or authorize. Supposedly a credit card. Despite my numerous requests XXXX  Equifax and XXXX  continue to report the debt to my credit file. I am attaching a copy of my identity theft affidavit sent to XXXX XXXX XXXX and Portfolio XXXX XXXX  Equifax and XXXX  clearly stating that I did not open or authorize any account from XXXX XXXX XXXX and XXXX XXXX Associates. Despite this notice and dispute under Section 609 FCRA and The FDCPA the item is continuing to be on my credit report. I want the item removed based upon the fact it is an identity theft issue and I did not open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2019 my family of four purchased a XXXX XXXX XXXX using our Capital One Savor Credit Card. We charged an initial payment of {$1000.00} on XX/XX/2019 and two more payments of {$980.00} were charged on XX/XX/2019. The cruise was schedule for XX/XX/2019 and XXXX XXXX informed us that the cruise was canceled due to Covid, We did received a letter from XXXX XXXX giving the option of having the full amount of {$2900.00} refunded or receiving a 125 % percent credit for a future cruise. We elected to have the full amount refunded. We only received a refund of only {$1900.00} and we started a credit dispute. Capital One did a initial credit for the {$1000.00} but re-billed the {$1000.00}. Capital one was really no help after this point and multiple different consumer services representatives acknowledged the missing {$1000.00} after looking at our statements. They stated that they did not know know the amount was re-billed. Two XXXX XXXX  Complaints with Capital One and one with XXXX XXXX were made on our behalf. Capital One dismissed both complaints and refused to help. XXXX XXXX was helpful and stated that when Capital One took the {$1000.00} during the initial dispute that amount was deducted from their account and not returned. They further explained if they refund me another {$1000.00} they would be out {$1000.00} and stated that it was an accounting error on Capital One part. The second XXXX  complaint was made against Capital one after learning this with again no help. 

Capital One to this date has still not made me whole or offered explanation. I did pay the full amount on Capital one Account as I did not want to ruined my credit which could prevent me from buying a house, vehicle..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
i had an identity theft and i keep getting all kinds of collection agencies trying to collect for items like this sprint cell phone account, i have no idea where this came from, i asked them several times to send me any information according to this account with the contract and signature dates and information. they never sent it, and i keep getting calls, after asking them several times to please contact me through the mail. they have been calling my job as well with constant harrassments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  Georgia, without my consent or knowledge solicited several different financial lenders with my credit report. 

The internet manager XXXX XXXX, emailed me a application for XXXX XXXX XXXX, to apply for credit through XXXX XXXX XXXX. 

On XX/XX/2021 my credit alerts where sent to me indicating that several inquires where made for my credit report. 

That evening the sales dept. called and informed me that they found someone to do the loan. I expressed to him that I inquired about a loan only through XXXX XXXX XXXX and his reply was that he could nothing about the unauthorized inquires he made, but stated he was sorry and was only trying to get the loan. 

I feel he was trying to get himself a commission by throwing me and my credit under the bus. I NOW HAVE SEVEN INQUIRES BECAUSE OF XXXX XXXX XXXX XXXX XXXX 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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without my consent or knowledge solicited several different financial lenders with my credit report. 

The internet manager XXXX XXXX, emailed me a application for XXXX XXXX XXXX, to apply for credit through XXXX XXXX XXXX. 

On XX/XX/2021 my credit alerts where sent to me indicating that several inquires where made for my credit report. 

That evening the sales dept. called and informed me that they found someone to do the loan. I expressed to him that I inquired about a loan only through XXXX XXXX XXXX and his reply was that he could nothing about the unauthorized inquires he made, but stated he was sorry and was only trying to get the loan. 

I feel he was trying to get himself a commission by throwing me and my credit under the bus. I NOW HAVE SEVEN INQUIRES BECAUSE OF XXXX XXXX XXXX XXXX XXXX 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 2021-02-04 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: NY

Complaint narrative:
XXXX XXXX shows up on my credit reports as charge off. Card was never payed late ever.

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