vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: TMX Finance LLC
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 

1. AMEX Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Hello. I had a change in homeowners insurance back in XXXX of XXXX. This has caused a 2 day lapse. My bank contacted me to let me know that I owe {$12.00} for this 2 day lapse. No problem, I simply added this amount to my normal payment. I didnt straight up say, this is the {$12.00} for escrow, no now they claim I didnt pay it. Due to this error, the bank has placed forced-insurance on my home which is doubling my payment. I cant afford this. I have gone around and around with my bank and they claim that I am past my timeframe and they refuse to release the forced insurance. Remind you I have had adequate homeowners insurance this entire time. My lapse was from XX/XX/XXXX - XX/XX/XXXX, they started the forced placed insurance XX/XX/XXXX. Ive been trying to work with them but they refuse. Now they are sending my foreclosure letters. I have been paying my mortgage minus the insurance. What can I do to get rid of this insurance and save my home?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Lender : Cardinal Financial Company Originator : XXXX XXXX, NMLS ID : XXXX State MLO ID : XXXX Issue : Spoke with XXXX on XX/XX/21 regarding a HELOC option. This was the starting point for my search for a HELOC and needed basic details about their product offering. Asked for general terms, rates, payback period etc. XXXX refused to assist unless I was willing to provide her my personal details so she could verify my credit score. I refused to provide this info as I was only looking for the details regarding her companies HELOC options. She repeatedly attempted to ask for personal details ( DOB, Social, etc. ). I reiterated my intention of not providing this detail until I knew what Cardinal could offer. She advised that if I was unwilling to let her run credit, she could not provide any HELOC details. Call ended and I eventually received a notice of credit denial from Cardinal. 

XXXX XXXX  actions were unhanded at best and her unwillingness to help unless she could verify my credit score was unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: IL

Complaint narrative:
The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: GA

Complaint narrative:
I previously filed a complaint. The deletion of the XXXX did not include XXXX Credit Bureau in the letter of response. Repeating info : I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, GA. My problem is with XXXX and XXXX XXXX They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: NY

Complaint narrative:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I switched my cell phone service from XXXX & XXXX to XXXX in XXXX of 2021. They did not allow me to switch the service until my bill was paid in full. A few months later I began receiving phone calls from a collection company saying that I owe XXXX XXXX XXXX  XXXX dollars. I have never received any written communication from the collection company nor XXXX & XXXX reference this matter. Only phone calls with no proof of dept owed. They have now reported this dept to the credit bureau. This dept is invalid. I need to have it remove from my credit report please XXXX XXXX The collection company who reported me Credence resource mana  XXXX XXXX XXXX  XXXX XXXX XXXX Texas Reported on XX/XX/2021, This is all the information I have. They have never provided any proof of any money I still owe. They held my phones hostage until I paid my final bill. I dont owe them anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01 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: Regional Management Corporation
State: IN

Complaint narrative:
Violation of bankruptcy laws- Regional Finance Corp continued to report the loan while in bankruptcy, then after the discharge- of which the loan was included- they began reporting the loan as a charge off and continue reporting it each month impacting my credit. I will be filing suit against them for violation of FDCPA and Bankruptcy laws

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
PMI Mortgage insurance still charging on my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: OK

Complaint narrative:
I have disputed the alleged debt with Experian. I have sent two certified letters, which I will attach. Additionally, no information was provided to my by Experian. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. Please provide me with the name and information used to verify my debt as accurate. 
The creditor is : XXXX XXXX XXXX. Account number : XXXX The original information reported and verified by Experian is not even correct. Not only do I NOT OWE XXXX  anything, but the are reporting incorrect information.

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 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA credit card account is reporting on my report and it is not mine did NOT apply for this account nor is this my debit this account is hurting my credit and USAA refuse to dele this account i have tried to communicate with them with letters and phone call and they keep reporting this account as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
SANTANDER has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Wachovia Bank account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: WA

Complaint narrative:
I was given a cashers check from XXXX XXXX i signed the XXXX over to my daughter she deposited at her bank key bank they cashed the check 3 days after we deposited XXXX XXXX told us they no thier was no fraud in this deposit but still will not release the funds XXXX XXXX would write me a new check but they can not because they have already cashed it what can i do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I think someone is using identity theft or fraud against me. Earlier this year, I attempted to create a cashapp account and one of the registration requirements is a social security number. I couldn't go any further with the process because the company wouldn't accept my social security number at all. This has happened for multiple apps & forms I've tried to fill out but couldn't complete because none of them will accept my number no matter what I do. I'm worried and I need help taking action to fix this issue so I can access my finances and know my ss number is safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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