vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-15 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: AFNI INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am involved in disputing a fraudulent unemployment claim that was filed under my name, and I had received a letter in the mail stating a checking/debit card was opened in my name, when I contacted the company they said this account that was opened was possibly something to do with the fraud unemployment claim. The company XXXX sent me a ID theft affidavit that I am in the process of filling out for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I have been a victim of identity theft, Ive been harassed. I didn't give anyone permission to share, sell, trade or anything that involves sharing my information to someone else. Show me proof that I gave you permission to have my personal information. Show me Front and back copy of an authenticated application bearing my autograph. Show me proof that I gave you written permission to furnish anything on my consumer report. I need to see the following from you Name and address of alleged creditor. Name on file of alleged debtor. Alleged account #. Address on file for alleged debtor. Alleged account #. Amount of alleged debt. Date ( this alleged debt became payable ). Date of original charge or delinquency. Was this debt assigned to a debt collector or purchased? Amount paid if debt was purchased. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants Wakefield & Associates the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to Pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the bonding agents for XXXX XXXX in case legal action becomes necessary : Authorized Signature of Creditor : XXXX Date : ____________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt. If you can not comply with. I need this to be deleted from my consumer report, failure to comply will result in {$1000.00} for each violation you are harming me with. I am very stressed out from this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mendelson Law Firm
State: MS

Complaint narrative:
XX/XX/XXXX Notified of debt via USPS mail XX/XX/XXXX Contacted the office via mail for debt validation ( no response ) XX/XX/XXXX I contacted Mendelson and Mendelson and talked with XXXX ( ext XXXX ) who informed me that the debt was valid and I had to start making payments or I will be taken to court. She indicated to mail the payments, but I told her I do not recall that I owed the debt and I would like proof of such before making payments. I also asked how old was the debt since I could not remember owing. She indicated that they verified that the debt was valid through an internal process and that it will take a while for them to process my request for proof and that the age of the account did not matter because I can be sued at any time. However, while we wait, I must mail the payments or I will be immediately sued. She initially told me to mail money orders, but I requested portal access for documentation purposes XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX, XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX - Notification of lawsuit XX/XX/XXXX - Talked with XXXX at Mendelson and Mendelson and informed her of the lawsuit. She said the purpose was to ensure that I continue to make payments and that she could send me out a payment arrangement document to sign or a settlement form and the lawsuit would be over. I directly asked her was it a payment arrangement or a judgement. She then replied a judgement. I told her that I was not going to agree to anything without knowing I owed the debt. She then told me ( as they usually do ), that I do not have to respond to the lawsuit because since I called in, I have fulfilled what I needed to do. This information given by XXXX was incorrect. 

XX/XX/XXXX - Responded to the lawsuit again requesting validation ( copies filed in the local courts and sent law firm a certified letter USPS Tracking number XXXX XXXX XX/XX/XXXX - Mendelson Law Firm sent a consent judgement erroneously indicating that I agreed to it. I did not agree to such at all and did not sign it. 

XXXX XXXX - Received payment history with last delinquency date of XX/XX/XXXX XX/XX/XXXX - File another response in the court and sent same letter to Mendelson and Mendelson informing them that they violated my rights to proper debt validation and the lawsuit is time barred for enforcing the debts through the courts. ( USPS Tracking XXXX ) XX/XX/XXXX - Menndelson Law Firm sent and filed a copy of a Notice of Service ( Deposition? ) with the court despite that this debt is time barred.

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 2021-08-15 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: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. XXXX & XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

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 2021-08-16 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: TX

Complaint narrative:
My score goes up one month and then they take it down when they re- report late payments from two years ago. I have a two year exceptional payment history, but my score is XXXX reported by Experian.. please help

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 2021-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I have Nissan Financial on my credit for a vehicle that was a total loss. I had gap insurance on the vehicle through this company that I paid every month. The gap insurance should of covered any additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
NAVIENT has been consistently harassing me and my family for many years ; since XXXX. Sometimes they would call over 10-15 times in one day! I never received debt validation from NAVIENT which is required by law pursuant to 15 U.S. Code 1692 ( g ). I sent them another debt validation request letter on XX/XX/XXXX, which can be verified by USPS certified mail records ( tracking # XXXX ). On XX/XX/XXXX, NAVIENT mailed me the payment history for these accounts detailing the payments I sent them which amount to a total of {$22000.00}. The complete payment history is attached to this complaint ( see " CFPB_NAVIENT_2 - CFPB_NAVIENT_8 '' ). Upon further investigation, the account history provided by NAVIENT 's own records indicate that these accounts were included in a " resale '' on XX/XX/XXXX ( see attached document " CFPB_NAVIENT_23 '' ). As the Consumer, I never consented to NAVIENT obtaining my personal information for the purpose of their financial gain. This by law is Identity Theft! Action and remedy are required immediately for the fraud NAVIENT has committed against me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15 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: C/C Financial
State: TX

Complaint narrative:
In XXXX of this year I applied for credit with XXXXXXXX XXXX a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being hospitalize in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: LEXISNEXIS
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: ID Analytics, Inc.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX  XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4XXXX XXXX  # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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:
While checking my credit, I noticed Equifax is still reporting wrong information on my report. I've been a victim of idenity theft. Equifax is saying the collection from FOCUS FINANCIAL IN THE AMOUNT OFF {$500.00} HAS BEEN VERIFIED, I FOUND THIS TO BE UNTRUE, BECAUSE XXXX  OR XXXX COULDN'T VERIFY THIS ACCOUNT AND IT HAS BEEN DELETED. EQUIFAX NEEDS TO FOLLOW SUIT AND DELETE THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On Sunday XX/XX/XXXX I attempted to transfer money from my savings account to my checking. I accidentally transferred from checking to savings. I didnt receive any money into my savings account but it put me {$270.00} in the negatives. Intstead of canceling the transaction the employee pulled the money out of my savings account which put me down {$200.00}. I feel I am owed my {$200.00} as if I wouldnt have accidentally pulled from checking it wouldve been a positive amount. If this is not resolved I will be taking the bank to small claims court and will be closing my account

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 2021-08-16 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: IL

Complaint narrative:
I have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX  XXXX, XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}

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 2021-08-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
They wont remove hard inquiries

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