vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 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: CA

Complaint narrative:
So I was told by a friend to check my credit report directly through the credit bureaus instead of monitoring everything through credit karma. It was easy with XXXX and XXXX but Equifax  has been a nightmare. On XX/XX/XXXX I signed up with Equifax and is has my information all wrong. My social isnt correct and my date of birth is wrong too. I tried calling into customer service and they told me on their end they see that everything was correct and that I shouldn't worry. A week later and I noticed that my XXXX XXXX wasnt updating on my Equifax side so I called in again. The rep told me they would escalate the issue and give me a call. I never got a call back so I tried doing a dispute through the online system. Ive uploaded my license and my social security card to show proof of my correct date of birth and correct social security number. The system says that the dispute was completed but I dont see any change and I didnt get anything. Ive tried to do the same thing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
There is a debt collection company called Jefferson Capital that has put an unpaid collection on my personal credit bureau. It appears that they are trying to collect on behalf of XXXX XXXX. XXXX XXXX has tried to do this to me several times in the past and can not show me where I ever had a past due or unpaid account with them. I had to call them on the phone and have even gone into their retail store but no one can show me this past due record. I believe someone fraudulently used my name because I was a past victim of identity theft ( I had some checks stolen from my apartment in 2006 ). However XXXX still can not provide this documentation even though they try to collect from me every 2 to 3 years for this fraudulent record. The last time I had a XXXX account was in 2006 and it was paid and closed. XXXX is trying to collect a phantom or fraudulent debt from 15 years ago! I have been out of work since the pandemic started and this is once again affecting my credit score. Also, it is the only derogatory credit that I have had in 20 years! Please have them cease this and remove the collection from my credit file. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have a mortgage with Freedom Mortgage. XXXX XXXX XXXX. XXXX XXXX Fl. XXXX and when interest rates started to go down I started looking for a Refi I guess freedo found out about it and offer me half a point. from 3,25 to 2.75. 
at the same time, I had savings account with XXXX that was paying me 2. % but they dropped down to XXXX so I took my savings out and paid them to XXXX and on the XXXX of XXXX checked my balance and I owed XXXX so using some of my wives saving We manage to get that amount together and it was sent to Freedom. 
Two days later I checked my balance and I had XXXX still in debt I called them and someone gave me the runaround putting me on hold several times and said he will call me. 
Well, I sent them messages and they sent me a payoff showing XXXX but get this it shows My Taxes and hazard insurance paid off and XXXX in Escrow???? well I sent them another message and told them to take the XXXX out of the escrow and send me the rest asap. 
Well, I have not heard anything. 
Can you help me?

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 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice.

LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : MACYS/DSNB XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX  AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, 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 2021-05-10 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: NC

Complaint narrative:
I contacted the credit bureau on several occasions and made them aware. 
The credit bureaus instructed me to come here to file my dispute before they could remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC
State: MD

Complaint narrative:
Auto Trakk would not use ( honor ) the Gap Insurance I paid for after my insurance company paid them for a totaled vehicle. The company is requesting I play the difference despite the Gap insurance. They are hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MAJR Financial Corp
State: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : MAJOR FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX, XXXX XXXX, XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
On XX/XX/2021 I mailed a letter requesting an investigation for questionable accounts that were showing on my credit report. It has been almost two months and I still haven't received the results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TX

Complaint narrative:
I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX  transunion and XXXX  and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license

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 2021-05-10 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 recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to Equifax XXXX  and XXXX  and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Om XX/XX/2021, a duplicate cashiers check was made by XXXX XXXX XXXX cashier '' s check in the amount of {$550.00} purchased by XXXX XXXX. The number of the cashiers check is XXXX. I deposited it into XXXX Alabama XXXX bank on XX/XX/2021. It was made to me XXXX XXXX. One of the checks was cashed at WELLS FARGO bank even though it was made out to me from XXXX XXXX. I of course deposited the cashier 's check to me because it is monthly alimony My bank, XXXX, took the {$550.00} our of my account even though the cashier '' s check was made out to me because whomever cashed the cashiers check at WELLS FARGO chased the very same cashiers check number XXXX issued by XXXX XXXX at the XXXX or XXXX branch at XXXX XXXX XXXX. I have spoken to XXXX XXXX at XXXX corporate and she put a lot of work into this. I never got my {$550.00} alimony payment and my ex husband, XXXX XXXX who purchased the cashiers check XXXX, refuses to help me. Can you please help me? I am about to lose my apartment over this mix up.

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 2021-05-10 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: Grain Technology, Inc.
State: SC

Complaint narrative:
Grain is an unreliable company! I have an account setup and had auto payments set to come out each month. Not once did they tell me I was late! I got emails saying your payments due, but no worries youre on autopay and will be deducted automatically! Then I cant login to the app for a month due to issues on their end! Then they report Im 30 days late to the credit companies when I never received anything saying I was late or a payment was missed! Tried for a month to contact customer service and they were always busy and couldnt take my call! This is unfair and not in compliance with the Fair Credit Reporting Act! They are horrible T what they do and wont help you get it resolved even though it was their fault their payment was late not the customers! Im not the only one with the same complaint, just read the app reviews from the last few months, people with the same exact issues as me! And they refuse to correct the problem! Now I have a 30 day late that wasnt my fault!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: NC

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: OH

Complaint narrative:
My credit score dropped and when I figured out what it was it was because of the loans but Im not in default

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In XX/XX/XXXX, I called Capital One to pay off my full balance. At this time I had an overdue fee and asked the rep to waive it if I paid the full balance. We discussed also making sure to calculate the full balance including the interest and I made a payment that should have left my balance at XXXX. 

I have had this account since XXXX and have been a great customer. I have had times of hardship but always made sure to get my account paid off and have paid my membership fees and interest, and several late fees over the years. 

When I have been late in the past, Capital One has issued emails, texts, and phone calls very quickly. 

From XXXX until XXXX, I received NO LETTERS, EMAILS, CALLS, or TEXTS relating to me that interest of {$3.00} hit my account and continued to accumulate interest over the next several months until my account was closed for UNDER {$6.00} for non-payment. 

When I tried to use my card in XXXX, it didn't work. I tried again in XXXX and then logged into the app that showed my account was CLOSED with a XXXX balance. I was so confused. I called Capital One and they were confused. I had to call back to speak to a manager the next day. They were surprised about what happened and helped file an appeal for the decision. A few days later I got a call letting me know the appeal was denied but they could not share the reason and a letter would come in 7-10 days. 

It was at that time I felt it was time to file a complaint and get this hopefully, resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern ; I found an item on the report that is inaccurate. which I Did not Authorize Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
thank you

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 2021-05-10 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: MI

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 change. I ask that the items be deleted to correct my credit report. I reported the heft of my identity to the federal trade commision and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible. 

XXXX XXXX - XX/XX/2021 - {$240.00} XXXX XXXX {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Im writing to you because I noticed that my most recent credit report contains a late payment reported on XX/XX/2019 and XX/XX/2019 for my REGIONS BANK account. 
I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record

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 2021-05-10 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: TX

Complaint narrative:
I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX XXXX and experian and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license

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 2021-05-10 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: U.S. BANCORP
State: PA

Complaint narrative:
Someone was suppose to handle the situation.

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