vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: AR

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MD

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
I requested a grace period for XXXX and XXXX due to losing my job during COVID. The mortgage company denied this because i had no job lined up in the future. Then I had several health issues which made me XXXX. The court found me XXXX  as of XX/XX/2020. Instead of trying to help me out the mortgage company started charging me late fees. The man ( supposed to be a manager ) was rude and treated me badly. I would like to get a reduced payment. I am struggling to pay my bills. After paying everything out of SS benefits I am left with {$170.00} a month for gas and groceries. It is getting impossible. I have drained my savings down to {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: IL

Complaint narrative:
I contacted Equifax a few weeks ago informing them that I have been a victim of identity theft. All of my personal things were taken now are attempted to be used to open accounts in my name. They did nothing but sent me a computer generated letter. I called and spoke with customer service & they told me my dispute was not processes because I put inquires in the account section. I have corrected the information and attached to this complaint. Please delete the inquires on this identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My wife and I have a home mortgage with Sun Trust Bank, XXXX. My wife passed away two weeks ago. I attempted to notify Sun Trust so they could update the names on the mortgage. They gave me a number to call, XXXX. When I called I was put on hold for 30 minutes and finally spoke with a lady that was rude, surly, and chewed my out for some information that the agent in XXXX had not provided me. At that point I decided that I would just pay off the mortgage and be done with it. The agent in XXXX told me to call this same number. They put me on hold for 56 minutes then hung up on me. I went by to Sun Trust in XXXX and requested that the agent help me. He refused saying I needed to keep calling the number. I contacted Sun Trust on line and a recording told me it would be a minimum of 30 days to get this information and they would only send it to a Fax machine. All I want is how much I owe on my mortgage and where do I send the check. They refuse to give me this. Any other bank would provide me this information in 10 minutes.

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 2021-08-12 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
This is my THIRD time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX # XXXX, XXXX # XXXX, -XXXX XXXX, XXXX. # XXXX, -CONSUMER PORTFOLOI SVC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
these accounts appear on my credit report, they don't belong to me, it's hurting me. 
Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX.

Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
I opened a Comenity Bank XXXX XXXX credit card in XXXX, my limit was {$300.00} I paid the card down to roughly a {$100.00}. In XXXX I saw the amount I owed was more that the limit, I contacted them an told them I became XXXX and ask them to cut the card off and Ill pay the balance. Which never went down only up. Now they have me in collection for {$1100.00} I have the same issue with the same bank for a XXXX  credit card with a limit of {$500.00}, I paid that card down to {$230.00} and now they have me in collection for {$1000.00} XXXX  XXXX XXXX also for XXXX, I paid this account off and they sole the account and put it back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION TO UPLOAD SUPPORTING INFO FOR DISPUTES. 
COMENITY/OVERSTOCK ACCOUNT XXXX IS SUDDENLY APPEARING AS OPEN HAS BEEN CLOSED FOR TWO YEARS AND I DID NOT OPEN IT. 
THE OWNER IS NOT COMENITY BANK THE SUBSCRIBER REPORTING ACCORDING TO INFO ATTACHED HERE.

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
On XX/XX/2021 radius global solutions, mailed me a letter threatening to add a derogatory mark to my credit report for debt committed via fraudulent activity. Upon further research, the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, radius global solutions has violated my rights as a consumer and I am requesting legal action to cease any type of contact and remove any collection accounts 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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. XXXX has kept this record after I have disputed this online and by mail. Transunion and XXXX have not resolved or updated me after more than 15 and 30 days.

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 2021-08-12 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: PA

Complaint narrative:
Equifax added derogatory marks my credit report per XXXX XXXX. Upon further research these accounts was transferred/sold and I am no longer responsible for the accounts. Debtors creditors did not verify these collections. Also, there was no written form of communication, contract, or signature for the accused debts at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my rights as a consumer and I am requesting legal action to remove the accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I recently took a look at my credit report and noticed this debt was reporting on my credit file. Amazon is saying I have a " Charged off '' account with them. I have never applied for an Amazon card and I never got a call or receive statements or really anything from Amazon so I'm really confused as to why this is on my credit. I have filed a police report and monitored my other accounts for fraud. This account was not open by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I sent a certified letter dated XX/XX/2021 to Blakely-Witt Association, called XX/XX/2021 at XXXX to follow up as I had not received a response or a deletion as they have violated several of my consumer rights. Spoke to a rude rep XXXX, which he ended up hanging up on me, called again, then spoke to another rude rep, XXXX XXXX in which he was of no assistance. The letter stated that they never received any written consent from myself to report this " alleged '' debt to any consumer reporting agencies, especially XXXX XXXX & XXXX and that no consent is identity theft, attached with a copy of the law. He refused to answer my question and said that they have responded to every letter I've sent them but yet asked what the letter said as if it wasn't received. They refuse to speak respectfully and acknowledge that they violated several of my consumer rights. Proper investigation was not completed to verify the said debt pursuant to 15 usc 1681a ( e ).

Regardless, 15 usc 6802 states that " an institution may not disclose personal information to a non-affiliated 3rd party without consent '' so unless Blakely Witt can provided consent, they need to delete any alleged debt immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: GA

Complaint narrative:
I have inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I owe ca {$3800.00} to Eagle Loan Company for a loan I used to pay for my car. Eagle Loan 's local offices are located at XXXX XXXX XXXX, XXXX, OH XXXX ( phone number XXXX XXXX ). I have enrolled in a debt relief program with XXXX XXXX XXXX XXXX XXXX, and they have been informed of this. When I told the loan officer this, whose name is XXXX, he yelled at me to " listen to me, we don't work with debt relief companies '' and I hung up the phone on him. ( I am separated from my family, struggling to handle all of my many debts since then, I am in both XXXX and XXXX  counseling and I don't need to be yelled at by anybody right now. ) I then blocked their number. Apparently this annoyed them enough so that they called my family home 's neighbor, XXXX XXXX, in order to get him to contact me and have me call them. This occurred today, apparently ( Thursday XX/XX/XXXX ) and I get a text message from XXXX at XXXXXXXX XXXX about it. I want them to stop harassing anyone about my debts, or telling anyone about them, and wait for XXXX XXXX XXXX to work out an arrangement with them for me to pay off the debt. I fully intend to pay the debt through negotiation, and am making regular {$290.00} payments to them with each paycheck in order to work out all of my debts - I am just asking for their patience and courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank froze all my money, are refusing to talk to me, blocked all transactions ( deposit, account access, etc ) and are closing my account. I have gone into the branch. I have called customer service dozens of times. I feel completely helpless and tramatized. They never explained to me why they're doing this. I cant file any compliants. They are refusing service. And they are trying to collect a debt from me that doesnt exist. i have been a client with them for 15 years. I have abslutely no debt whatsoever. i have paid all my bills on time. i have been a very good customer. And suddenly all my money and account is frozen. i have extreme XXXX  not being able to look at my statements. i have XXXX  i will be charged late fees for my credit card bills. And i have no idea whats going on with my automated bills, and direct deposits. What they are doing to me is completely wrong and i would like some 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 2021-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: WI

Complaint narrative:
This debt has been previously investigated and found to be fraudulent. I have not ever lived in Georgia. I have NEVER had an XXXX XXXX XXXX account. When I researched the XXXX XXXX XXXX account number with XXXX XXXX XXXX they said the account number wasn't legitimate. This debt was transferred to another party who is trying to collect on it again despite it being proven fraudulent in XX/XX/2021. Please refer to my report filed in XXXX of XXXX. This collection agency used information provided in the previous report to add additional details to make the fraudulent claim seem more legitimate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief