vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-13 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: MD

Complaint narrative:
XXXX, TransUnion and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX  TransUnion and XXXX  asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on TransUnion is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} XXXX  also reports {$9000.00} and TransUnion reports {$9000.00}. The date of item removal on TransUnion is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.

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 2020-10-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax, XXXX  and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with Equifax XXXX  and XXXX asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on XXXX  is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} Equifax also reports {$9000.00} and XXXX  reports {$9000.00}. The date of item removal on XXXX  is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act XXXX FCRA ) and hurt consumers as they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OneMain Finance Corporation
State: OH

Complaint narrative:
9 inquires on my credit was not authorized. I tried to resolve the issue with XXXX  and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Exchange Finance Company
State: OH

Complaint narrative:
9 inquires on my credit was not authorized. I tried to resolve the issue with XXXX  and the company, but the inquires have not been resolved properly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I found a derogatory account with AFNI reporting with an opening date of XX/XX/2020 per XXXX XXXX and XXXX. This company failed to verify this collection although they have a statement listed on my report of verified. This is FALSE. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, AFNI has violated my rights as a consumer by listing this account on my credit report and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates, LLC contacted my father on XXXX about a debt I owe them for a XXXX XXXX. XXXX XXXX Credit Card balance. They disclosed in a letter my account number, the seller, the merchant, original creditor, who the debt is owed to, and my balance. This extends beyond the boundaries they are allowed to work within when contacting others about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I had a XXXX XXXX account listed on my credit report however, XXXX XXXX sold this account to Portfolio Recovery in the amount of {$1400.00}. I disputed this account with XXXX XXXX for inaccuracies and XXXX XXXX deleted it off my credit report. I have the documents showing it was deleted. Portfolio Recovery has been contacted numerous times about this account and I even stated that XXXX XXXX deleted it. Also, I asked Portfolio Recovery to provide validtion that this is my account and they can not provide the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN WITH MY PHOTO ID AND SOCIAL SECURITY NUMBER SOMEONE USED MY INFORMATION WHICH I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
Ended forbearance at end of XXXX. Paid amount due in full. Need letter stating no longer in forbearance AND balance due was paid in full. I have been on the phone with Amerihome mortgage at least 5 times over the last 3 months and promised a letter stating the above. Have never got a letter stating forbearance ended AND past amount due paid in full. I can not get another loan approved until XXXX gets these letters. I have been trying for 2 months to get these letters. I call every two weeks. The lack of letters ( and my inability to get a loan I qualify for ) is causing financial hardship due to Amerihome incompetence. The agents there try, but the request gets passed to a different department that keeps sending form letters that aren't what I need. Three months in. No end in sight. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CA

Complaint narrative:
On XX/XX/XXXX, I paid off my entire balance with XXXX XXXX. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with Equifax and uploaded bank statements showing the account was paid, XXXX XXXX statements showing a XXXX   balance and a letter from XXXX XXXX stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating XXXX XXXX is confirming the balance of XXXX as valid and past due. I have spoken with XXXX XXXX every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to Equifax 5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. Equifax has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am a victim of identity theft and while remedying the effects, I have ordered my Chex Systems report. On this report there is an account with XXXX XXXX  that was not opened by me. This account was opened fraudulently. I have submitted documentation to Chex Systems and the fraudulent account is still reporting on my Chex systems report.

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX PHH Mortgage sent me a servicing transfer letter. It did not include an assignment of mortgage from my previous lender or servicer to PHH Mortgage. On XX/XX/XXXX in response to a qualified written request PHH Mortgage sent me the note, mortgage, loan application, settlement agreement, and Truth in Lending. It did not include an assignment of mortgage from my previous lender or servicer to PHH. They sent me the mortgage from XXXX XXXX XXXX XXXX and XXXX XXXX. I've asked them for the assignment of mortgage on several occasions, and on XX/XX/XXXX they sent me a letter indicating then XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can be used in lieu of the assignment of mortgage. On XX/XX/XXXX XXXX  tracking number showed XXXX XXXX XXXX  XXXX was inactive. PHH Mortgage on XX/XX/XXXX they told me the XXXX  tracking number has been changed to PHH Mortgage Corporation. I asked them to provide documentation that authorizes them to change the XXXX  tracking number and they told me they do not have the assignment of mortgage. PHH does not own my mortgage and should not be servicing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I have been instructed by XXXX XXXX of XXXX to file this complaint. Please see case # XXXX, the representing firm for XXXX XXXX XXXX XXXX XXXX had no knowledge or information concerning this debt. 

Scott & Associates PC are claiming to represent XXXX XXXX XXXX XXXX XXXX and are seeking collections costs for a previous debt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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:
I applied for a XXXX  credit card a few weeks ago but I was not approved and when I received the letter in the mail stating the reason why I was not approved, it said that I was not approved for the credit card because there are accounts in negative standing on my credit report. I didn't know what accounts they could be referring to so I looked through my credit report and I saw two accounts on there that do not belong to me. The accounts are from these companies. XXXX XXXX XXXX for an amount of {$26000.00} and XXXX XXXX XXXX for an amount of {$4700.00}. These accounts do not belong to me ; I did not open them and I did not allow anyone to open them on my behalf. I do not have any written/verbal contract with these companies nor did I benefit anything as a result of thes accounts that were opened in my name such as money, goods, services, or any other benefit. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
We have a Barclays Bank AAAdvantage Credit card. Our monthly payment is due on the XXXX of the month. This past week I received our regular email notice of a payment coming due. The email stated this, " Your AAdvantage Aviator Silver World Elite Mastercard account payment is due on XX/XX/XXXX. 

To avoid being charged any late fees or additional interest, your payment must be received by XXXX XXXX   ET on XX/XX/XXXX. 

I doubled check my bill and it is due on XX/XX/XXXX. I contacted the customer service department and was told yes my payment is due on the XXXX. 

My complaint is, why did Barclays wrongly threaten me with fees and interests payments, do they do this every month to everyone?

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX 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 2020-10-13 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: CL Holdings LLC
State: IL

Complaint narrative:
I do not have a contract with this company. These people are trying to make me pay money that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a XXXX  credit card a few weeks ago but I was not approved and when I received the letter in the mail stating the reason why I was not approved, it said that I was not approved for the credit card because there are accounts in negative standing on my credit report. I didn't know what accounts they could be referring to so I looked through my credit report and I saw two accounts on there that do not belong to me. The accounts are from these companies. XXXX XXXX XXXX for an amount of {$26000.00} and XXXX XXXX XXXX for an amount of {$4700.00}. These accounts do not belong to me ; I did not open them and I did not allow anyone to open them on my behalf. I do not have any written/verbal contract with these companies nor did I benefit anything as a result of thes accounts that were opened in my name such as money, goods, services, or any other benefit. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

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