vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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:
My personal sworn statement & Declaration : I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you do so for. I want to make it clear that I am not making this request in error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.

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 2021-02-24 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: MD

Complaint narrative:
On XX/XX/XXXX I sent Equifax a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent Equifax another letter Demanding their response on XX/XX/XXXX. It is Now XX/XX/XXXX Over 80 days have passed since I sent Equifax my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from Equifax in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and Equifax disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under the FCRA due to the inaccuracies and the neglect of federal Law by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a kohls credit card that I've had open since XX/XX/2020 and I tried to log in to my account online. I have a totally different account number, information and wierd activity as for not updating or old information that I've constantly told kohls Corp about, it still is the same. My card has one number, and the online had another account number and I'm able to see my information, rest my password and log in stuff, and my history information is not there, it says I'm over my limit, late payment, zero payment made, and no dates available to view. But my card I call on the phone tells a totally different story, account is current, no late payment, payment on file, available credit limit is very low, and I am unable to use any discount, program credits, or use any account discount to pay for stuff and get my rewards points. So I need 911 help with my account, due to no one activity wanting to help, very hard to reach customer service or corporate office help. So I have ro use this form to get help in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: IA

Complaint narrative:
On XX/XX/2021 I had my unemployment benefits finally uploaded and I have been waiting since XXXX for my unemployment to update ... Bills have been stacking up I simply paid my bills today and now I can't even access the rest of my money in my account because they say I exceeded the daily limit ... XXXX What can I do they say I have to wait 24hrs since the last attempt for withdraw ... Why is there a limit on MY MONEY ....?!

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 2021-02-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
XXXX GMAC - Our problem began-we were being forced into foreclosure, un beknown to us. One night XXXX we came home to a woman at our front door-Realtor wanting to list our home as she was aware we were in foreclosure. ( We were take by surprise and informed her our home was not for sale ). We had many horrible phone calls with agents at GMAC stating we were in Foreclosure. Not behind on payments, this became a heated phone call. This has been an exhausting process. You can see the history of our request to make this right with our Mortgage. I do hope you can see all the horrible history and complaints filed, working with the Utah Attorney General Real Estate office ( he passed away, I later found out and he helped us more than anyone ). Never satisfied with the outcome as we were scammed during XXXX with the SubPrime loans. We wanted a FIXED rate our payments were to be around {$1500.00} this was XXXX. We were highly pressured at the time to go with the Lower Payment. Which continued to change everything over time and by 2008 with GMAC our world with our home security was threatened. Exhausting fight to make it right. Hired a lawyer, dropped the ball. We fought to keep our home to end up with a huge Balloon. We will never own our home, which is sickening to me. This is all because of the SubPrime Scam. This has been forever exhausting to continue to fight for our rights to Own our Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: GA

Complaint narrative:
I had an account with XXXX 5 years ago which included a cellphone and hub device. The hub device wasn't compatible with my account so I brought it back and cancelled my account. The store was not a XXXX corporate store. A month later I get a call from XXXX 's billing department saying my bill wasn't paid and I responded that I had brought the equipment back to the store and that the store said they closed my account. XXXX corporate stated the store have the authority to cancel an account only the retention dept has that ability. She told me that I could pay the bill over the phone and then she would close out the account. I paid the bill even though I didn't have the equipment and only used it for a few days. Months later a collection shows up on my credit report from XXXX and when I called they said I had an early termination fee that I for the equipment that was incompatible for my car, but I wasn't told that when I cancelled in store or over the phone. I then paid the early termination fee to XXXX because the XXXX collections dept said over the phone that they are sorry but will delete the collections. I paid for equipment I didn't use then paid for an early termination on the same equipment to avoid getting a collection and they gave me one anyways that says Paid. All this was evidenced by my billing history with 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 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have spoke to Toyota financial services numerous times about my issue with paying on my loan unfortunately for myself I have lost my job due to corona virus 19 and I have been doing everything in anything that I can do to pay something towards my loan in the beginning I was able to make the payments and I follow through with paying them on time when corona hit unfortunately that changed they gave me two payment extensions and thats about it they took off some fees totaling of {$78.00} my car note is {$550.00} per month and I am unable to pay them and Im getting threatening calls and theyre gon na repossess my car or if I dont pay this big lump some of the car which is {$21000.00} I cant afford that I havent found a job yet the job market is absolutely horrendous I keep calling to try to get an extension or some type a payment plan and theyre not even willing to work with me with that I have been paying {$200.00} every two weeks because thats what Im collecting from unemployment and thats all theyre giving me right now and then I also have to pay 25 % of my rent and then my other bills this is something I never thought I would ever be in my life I am scared I dont wan na lose my car but how do I go find a job when they take my car for me and they want me to go to work I dont know what to do anymore Im stuck at this position where theyre threatening me and Im scared and I dont know what to do I need someone to help me to let these people know that they cant do this its not my fault that I dont have a job its not my fault that this has happened to the world like this is not my fault and Im about to lose what I have for no reason at all Im trying to do the best I can with the money that I barely get from unemployment its not even a lot it covers nothing I get {$400.00} every two weeks thats {$800.00} a month and my car note is XXXX for my rent is XXXX My cell phone bill credit cards electricity gas it goes on and on but I need to stop Toyota financial from re-pulling my vehicle for me trying to stop getting work I need to be able to get work I need my car to go and get work Please and thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with XXXX 5 years ago which included a cellphone and hub device. The hub device wasn't compatible with my account so I brought it back and cancelled my account. The store was not a XXXX corporate store. A month later I get a call from XXXX 's billing department saying my bill wasn't paid and I responded that I had brought the equipment back to the store and that the store said they closed my account. XXXX corporate stated the store have the authority to cancel an account only the retention dept has that ability. She told me that I could pay the bill over the phone and then she would close out the account. I paid the bill even though I didn't have the equipment and only used it for a few days. Months later a collection shows up on my credit report from XXXX and when I called they said I had an early termination fee that I for the equipment that was incompatible for my car, but I wasn't told that when I cancelled in store or over the phone. I then paid the early termination fee to XXXX because the XXXX collections dept said over the phone that they are sorry but will delete the collections. I paid for equipment I didn't use then paid for an early termination on the same equipment to avoid getting a collection and they gave me one anyways that says Paid. All this was evidenced by my billing history with 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 2021-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: LA

Complaint narrative:
I filed a dispute regarding discrepancies on my credit report it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has stolen and used my identity and has obtained a Car XXXX XXXX XXXX. Government Loans small business loan distributing 1099 forms. XXXX XXXX XXXX XXXX has forged govt docs /child support enforcing A lien on the XXXX XXXX XXXX he obtain to be Legally under his name. XXXX XXXX XXXX XXXX and his mother XXXX XXXX XXXX filed motions and suits using my identity. They were obtained by the two individuals, signed and dated. My mother XXXX XXXX is also involved as her number and address appears on my credit reports. Her address is XXXX XXXX XXXX XXXX XXXX. Those 3 individuals have obtained and opened my mail IRS mail, Stimulus and att general mail, local Police dept and other personal mail but will not release it to me. I have filed several police reports. XXXX XXXX XXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX at XXXX yrs old this began in XXXX but the identity theft and att general Docs signed XX/XX/XXXX. This individuals embezzle the funds and obtained them through the legal system XXXX XXXX XXXX XXXX XXXX XXXX  by false suits and motions.

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 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} - Please Remove. Please validate the data furnishers ability to report by asking for " relationship documents '' with " quit claim language ''. Data furnisher has not furnished to me after request proof of certifiable sworn documents to substantiate his or relationship with such as party or company. No proof of license, insurance or contract has been given by XXXX XXXX. XXXX XXXX has not shown legal authorization or claim over " alleged debt '' or the legal write to operate in said state for " Alleged Debt ". There has been No proof of complete, truthful, timely and accurate reporting according to Eoscar and Metro 2 Compliance. XXXX XXXXr is in Violation of FCBA 15 US Code sS 1666 " Adverse Action '' I was never notified about putting any negative information on my credit report. XXXX XXXX  is in violation of carbon copy rule with all 3 bureaus according to Eoscar and Metro 2 compliance. Please Remove!

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 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have contacted both TransUnion and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. 
They dont even have my correct Name right!!

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 2021-02-24 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have contacted both XXXX and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. 
They dont even have my correct Name right!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: RFNA, LP
State: WA

Complaint narrative:
I paid a personal loan plus XXXX XXXX XXXXnterest in 6 months to Republic Finance of XXXX XXXX Texas. They have reported a delinquency to XXXX  violating the Fair Debt Collection Practices Act. They are trying to collect interest on a balance that paid years ago. Sincerely yours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24 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: Nelnet, Inc.
State: CA

Complaint narrative:
NELNET XXXX XXXX Balance : {$40000.00} - I wrote the creditor and they said that I was never late, so how can it be that you're reporting me as late? That makes no sense at all. 

NELNET XXXX XXXX*Balance : {$66000.00} - If you can't prove that you had proof, you need to remove this late payment. 

XXXX XXXX XXXX Balance : {$520.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX Balance : {$920.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$370.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XXXX XXXX Balance : {$0.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX XXXX XXXXXXXX XXXX - I've submitted proof that this is not my signature on the petition - you need to remove this immediately.

Company response to consumer: Closed with explanation