vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have addresses on my credit file that are not mine. I do not live at the following addresses please delete them they are not accurate : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX, XXXX, FL XXXX I would like to have a new copy of my credit report and opt me out of any and all promo and credit card pre screen ads.

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 2020-06-13 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: FL

Complaint narrative:
Since XX/XX/XXXX Experian has been in Violation of the FCRA section 605B. As a victim of fraud and identity theft noted on sending my FTC report and police report from XXXX XXXX XXXX not to mention that my information was completely compromised during the XXXX XXXX  Security Breach. Not to mention that my previous roommate used a XXXX Business Card Fraudulently upon reviewing my credit report and countless times of sending the same information from the FTC, Letters with detailed information pertaining to the fraudulent information reporting on my Experian and XXXX  Credit Reports. They removed the incorrect information and then they report that same information again and refuse to comply with the FTC documents that states I have been a fraud breach and Identity Theft victim.

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 2020-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
This company has been reporting negatively on my credit report since 2013. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: FL

Complaint narrative:
Since XX/XX/XXXX XXXX  has been in Violation of the FCRA section 605B. As a victim of fraud and identity theft noted on sending my FTC report and police report from XXXX XXXX PD not to mention that my information was completely compromised during the XXXX Equifax Security Breach. Not to mention that my previous roommate used a XXXX Business Card Fraudulently upon reviewing my credit report and countless times of sending the same information from the FTC, Letters with detailed information pertaining to the fraudulent information reporting on my XXXX  and Equifax Credit Reports. They removed the incorrect information and then they report that same information again and refuse to comply with the FTC documents that states I have been a fraud breach and Identity Theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
A debt for XXXX from a creditor Moblie bill when I contact the company they verified the info didnt match mines so Im confused on why its showin up on my report I sent in my government id and social security card company name sequium XXXX I call several times XXXX XXXX XXXX bill I thank they sayin I owe prestige financial {$25000.00} also keeps reporting to my credit something I didnt open identity theft once again the information wasnt correct as well but its still on my credit medical bills showing up from XXXX {$320.00} and {$90.00} also all theses inquiries I definitely didnt do XXXX, selects automative, XXXX, XXXX, and a few more can u guys please please check the social security number before placing these things on my credit report I done contact u guys more then once and its still happening

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had been pre approved and I started looking for a house with an agent. After we found a house and made an offer the seller agent informed my agent that I was not not approved. It was embarrassing to find out from the seller agent that I was denied the loan even after I already had a pre approved letter. At this point it makes me feel discriminated and makes me wonder if my background had played a role on the decision not to approve me at the last minute. I lost an opportunity to get the house my wife and I loved and with no explanation. I would think when something like this happens people will get a detailed letter explaining the decision but it has been a very long time and no letter. I had to be the one calling asking for an explanation but not real answers was given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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:
TransUnion took off the worth finance company from my credit report finally. My credit score went up a little and that lasted two weeks. as of today my score went down 104 points and my amount of debt went up more and it never changed when with XXXX finance was removed even then is wrong. so my score went down my debt went up and I have no new accounts trans unions should no accounts open or applied for. my debt is not XXXX and it is not XXXX. I've already called TransUnion about the inquiries and was told I need a letter from the companies stating they would remove it but I would need to contact every company to let them know it was related to fraud. I have 95 hard inquiries some of which are the same company repeatedly running my credit in one day. at least half should have been removed on its own just because it was placed on my report two years ago therefore it should come off without me going through this mess

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 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In 2005 I was a victim of Identity theft, I've been been living a nightmare ever since, I've been trying to battle this nonsense. My car was stolen in 2005, I had all my info inside it, since 2005 while living in Georgia, weird things started showing under my social and name and showing on my credit report, having said that ; my credit has never been able to recover from whoever is using my identity to have a life posing as myself. I can't deal with this situation anymore. This is depressing, I can't even have a normal life because even if I try to fix it, it seems like I can't get my life back. I need immediate help and would like and want to have all those false collection debts taken off my credit and name please. I've been fighting this for over 15 years and I can't do it anymore. I need help and have the three bearous to have those negative debts off my credit for once and I can have my life back. Thank you so much for your time. You are my last hope .... God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I PREVIOUSLY DISPUTED FRAUDULENT ITEMS ON MY CREDIT REPORT. THERE ARE STILL INQUIRIES LISTED THAT ARE ASSOCIATED WITH IDENTITY THEFT AND WERE NOT AUTHORIZED XXXX XXXX  XXXX XXXX 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 2020-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Complanit 1 ) USAA DISCRIMINATES AGAINST MY XXXX.XX/XX/XXXX Phoned ( unable to access on line ) Spoke to XXXX  usaa rep. .I explained to her my XXXX XXXX XXXX  & NO ON LINE ACCESS. XXXX  Released my Call Due to my NEED TO USE MY SPEAKER. I can not hold the phone, AGAIN DUE TO MY XXXX. ** USAA IS NOT ADA COMPLIANT WCAG.2.1 ON LINE OR ACCESSIBLE BY PHONE DUE TO MY XXXX ** see attatched FTC ID THEFT case XXXX NO ACCESS TO REPORT & RESOLVE FRAUD XX/XX/XXXX. Complaint 2 ) USAA FORCES ME TO ENDURE HARRASSING COLLECTION ATTEMPS DEMANDING IMMEADEATE PAYMENT {$650.00} ( ( ( DURING THIS VIRUS SITUATION ) ) ) ) ** NO ACCESS IS PROVIDED TO STOP THIS ** CRUEL ABUSE. STOP THE ILLEGAL ABUSE OF THE DISABLED. I MATTER TOO!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I PREVIOUSLY DISPUTED FRAUDULENT ITEMS ON MY CREDIT REPORT. THERE ARE STILL INQUIRIES LISTED THAT ARE ASSOCIATED WITH IDENTITY THEFT AND WERE NOT AUTHORIZED XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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:
The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # 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

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 2020-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Renewed my homeowner 's insurance 20 days prior to the expiration date. Sent a fax copy of the policy to the company on XX/XX/2020. I received a letter from XXXX XXXX  saying the end of XX/XX/2020 saying my insurance was expired and they were going to purchase insurance for the property XXXX XXXX XXXX XXXX XXXX. I called the insurance department and talk with a staff member who was very rude. I requested to talk with a manager who stated that they had not received my renewal. I confirmed the fax number XXXX the same as I had. I told the manager I was current on my insurance and will re-fax with the address, loan number and my name. I re-faxed and had gotten confirmation a second time. On XXXX XXXX I Received an insurance policy in the male from XXXX XXXX with a letter stating that they had purchase homeowners insurance for my property. I went to the XXXX office and had XXXX re-faxed with a confirmation. I addition, XXXX XXXX stated the had opened up an illegal escrow account in my name and has increased my mortgage payment. I had fought XXXX XXXX  with your help last year to discontinue my escrow account considering they had not paid my taxes and insurance 2 consecutive years with last year finding out I had no insurance on my property XX/XX/2020 as they over padded my escrow account and did not pay my homeowners insurance after receiving payment billing from XXXX. I request to close my escrow account and was told I had to pay 1 of the mortgage. I then seek your help in closing the account. They did return my balance IN my escrow account with some threatening words. This company constantly intimidate its clients. I know they got my faxed 2 and denied it. I sent a third time and is requesting you take a look at this company. I have several friends who have this mortgage company and is having similar problems. I have gotten a lot of harassment from this company since they have taken over my mortgage 4 years ago. This is the company that I requested to close out my escrow account initially when they bought out my mortgage and on several occasions thereafter with the answer been each time I had to pay them 1 % of my mortgage to have that done because they own my escrow account and not me. My request at that time was made verbally via phone and in writing. I had to seek government assistance last year to have my escrow account close out without paying 1 % of my mortgage a fee to have its closeout. Now they have decided to reopen my escrow account illegally and have purchased homeowners ' insurance and charge it to me. I would like this account to be a close and illegal increase in my mortgage payment stop. I will be paying the amount I pay monthly for my mortgage and not a dollar more over that for an illegal escrow account. I am not going to absorb the cost of that second insurance.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
This company regularly reports the wrong information to the credit Bureaus. They falsely reported that I paid XXXX, XXXX, and XXXX ( 2020 ) late. They adjust my balance by {$8000.00} up and down every month which swings my credit score by 50 points. Due to these mistakes, my credit dropped from XXXX to XXXX since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In 2005 I was a victim of Identity theft, I've been been living a nightmare ever since, I've been trying to battle this nonsense. My car was stolen in 2005, I had all my info inside it, since 2005 while living in Georgia, weird things started showing under my social and name and showing on my credit report, having said that ; my credit has never been able to recover from whoever is using my identity to have a life posing as myself. I can't deal with this situation anymore. This is depressing, I can't even have a normal life because even if I try to fix it, it seems like I can't get my life back. I need immediate help and would like and want to have all those false collection debts taken off my credit and name please. I've been fighting this for over 15 years and I can't do it anymore. I need help and have the three bearous to have those negative debts off my credit for once and I can have my life back. Thank you so much for your time. You are my last hope .... God bless.

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 2020-06-13 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:
The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # 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

Company response to consumer: Closed with explanation