vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reach out to each of these companies to remove the inquiry, they advised me to reach out to credit bureaus. I have sent several letters and the inquires has not been removed yet.

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 2021-04-01 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: GA

Complaint narrative:
Exeter Finance is reporting an unauthorized credit inquiry on my XXXX Credit file dated XX/XX/XXXX. I reached out to the company via email to dispute and received an email from them stating the following : Customer Service XX/XX/XXXX, XXXX XXXX  ( 1 hour ago ) to me Thank you for contacting Exeter Finance LLC. 

The contents of your message and/or documents ( s ) have been received. To safeguard your personal information, we will not be able to reply to your questions or concerns, using this email address. 

For further assistance please visit us at : https : XXXX XXXX is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. 

Dont have a login? Register today. 
Through My Message Center, you will be able to send us a secure message with your questions and we will respond within 48 business hours. This feature offers the most secure channel for communication between you and Exeter Finance Corp . 

Or you can reach us by telephone at XXXX XXXX XXXX XXXX. Representatives are available Monday Thursday from 7 a.m. to 8 p.m., Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 1 p.m. Central Time. 

We look forward to hearing from you! 

Sincerely, Customer Service Exeter Finance LLC. 
I don't have an account with these people and didn't authorize them to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
This company has reported a collection account on my credit report and refuse to remove it. I know nothing about the company or the account they are talking about. Ive never heard of them before and do not owe them anything. I never received and services or had any account with them. I have called to fix this with them directly and they stated its a medical bill, this is a violation of HIPPA regulations. It also may be mistaken identity I am a JR. my father has the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
After dispute results came back as Remain on report, I contacted Affirm to have them determine why they would ask the balance to remain when they are in agreement that the balance is {$0.00}. Their suggestion was to use a document from them in the dispute showing {$0.00} balance. I waited a few more weeks, and now Dispute says REMAIN again. Per XXXX they contacted Affirm a 2nd time and they told them that the balance on the report of {$540.00} should remain on the report, despite their acknowledgment to me that the balance is {$0.00}.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

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 2021-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I was approached by XXXX XXXX  for a free refi on my mortgage which was recently sold to them by XXXX XXXX XXXX ( see below ). The XXXX rep would not provide the details, terms, or disclosure for the offer unless I applied and they could run my credit. Then once I started the process, I was told that as a self-employed applicant that I had to have a median credit score of XXXX ; my scores allegedly being " XXXX '' ( the representative would not provide proof, self pulled scores were higher ), and that they would be declining my application. 

The idea that XXXX would offer a lower rate to check the credit of their newly transferred customers is a scam. 

My representative was XXXX XXXX Senior Loan Officer NMLS  # XXXX XXXX XXXX # XXXX " Welcome to the Freedom Mortgage Family! Recently you received a notice that XXXX XXXX XXXX XXXX, a fully-owned subsidiary of Freedom Mortgage, began servicing your loan. This will not have any impact to your loan number, rate, term, balance or payment method. 

SAVINGS OPPORTUNITY LOWER YOUR RATE Based on an initial review of your account, we can lower your rate and monthly mortgage payment. 
Benefits Include : * Zero lender fees * Lower rate and monthly payment * No appraisal required in most cases * Keep your current remaining term Don't delay as rates can change at any time Lock in your new lower rate today and get started on lowering your monthly payment! 
Reservation # XXXX Phone Icon Call XXXX or visit us online! ''

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 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital one and spoke to a supervisor because my U.S.P.S mail in proof to the dispute dept has gone unfixed. I asked to speak to someone in the dispute dept. but that department does not have incoming call access nor did the supervisor have a way to send an email. My information was verified that they recieved my mail and showing I had tried to dispute my late payment reportings but there was nothing she could do. I have submitted proof of my online bank statements that show direct payments were made to capital one. I have also tried several attempts with XXXX  and XXXX to remove the late reporting that Capital one has but they keep denying it. I need these false late payments taken off my credit. I am submitting again proof of my bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SC

Complaint narrative:
I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SC

Complaint narrative:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account that is not mine. I reported that my ID and wallet was stolen and charges were made on a credit card that were not mine. I changed addresses and moved to another county and I wasnt aware the credit card company was requesting payment. I asked to have the account reviewed but no action was taken or finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
My phone was stolen. And XXXX  usd ( two transactions XXXX usd each ) were transfered to someone named XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: SC

Complaint narrative:
On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track. I don't want my kids to keep helping me they have a family to support as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ernst, Ernst & Artmann, Inc.
State: CA

Complaint narrative:
Still in credit report i want file disputes credit this debt not my this not my fault

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

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

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a Cashier 's Check for {$1700.00} on XX/XX/XXXX from Suntrust Bank. The check was not used for the intended purpose and was misplaced until XX/XX/XXXX. On XX/XX/XXXX, I presented the check to Suntrust Bank, XXXX, GA XXXX XXXX XXXX  for refund. I was told the check needed to be deposited into my account, but I closed my XXXX accounts at Suntrust Bank in XXXX due to poor customer service. In researching my accounts, I was told XXXX of my checking accounts was charged off for {$270.00}, which I disputed as I closed all XXXX accounts at the same time, in the branch. I was told that an item for {$49.00} presented for payment AFTER the accounts were closed. The account was RE-opened by the bank and the item was paid, followed by the assessment of several overdraft fees. The account was eventually closed again by the bank, this time with an overdrawn balance of {$240.00}, and a {$30.00} charge-off fee was assessed. The bank manager informed me that I would need to pay the charge-off, open another account at Suntrust and deposit the cashier 's check in order to get my money back. I requested copies of the account statements covering the payment and fees associated with the charge-off. I was told the statements would be sent in XXXX business days. It has been XXXX business days and the statements have not been received, but what I did receive was a bill for the {$270.00}.

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 monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint narrative:
on my XXXX report, I have found collection account from XXXX XXXX XXXX,  however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : 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 2021-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHARLES SCHWAB CORPORATION, THE

Complaint narrative:
on my XXXX  report, I have found collection account from Charles Schwab bank, however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX  years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: ERC
State: CA

Complaint narrative:
There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : NCB MANAGEMENT SERVICES # XXXX ToWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign abilitybecause it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts ( 3 ) The assignment was manifested by a written agreement separate from and inaddition to any document intended for the purpose of listing the account, bill, or other evidences of indebtedness with the collection agency. The written agreement shall state theeffective date of the assignment and the consideration paid or given, if any, for theassignment and shall expressly authorize the collection agency to refer the assignedaccount, bill, or other evidence of indebtedness to an attorney admitted to the practice oflaw in this state for the commencement of litigation. The written agreement also shalldisclose that the collection agency may consolidate, for purposes of filing an action, theassigned account, bill, or other evidence of indebtedness with those of other creditorsagainst an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you areobligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 XXXX g ), you have 30 days to supply these proofs, if moretime is needed please contact me by certified mail and I will extend you 15 extra days. I alsorequest to see a certified copy of any contract or agreement between you and the originalcreditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted my first complaint with equifax on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint and has added 2 duplicated copies of the same fraudulent account to my credit report dropping my score even further. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! Now i'm being forced to cancel my 1 previous dispute because Equifax has added 2 extra collection accounts that are exact duplicates of the one account that I am disputed, and its has furthermore, hurt my credit score! Please help me

Company response to consumer: Closed with explanation