vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE CONTACTING XXXX, XXXX   AND EQUIFAX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
I HAVE CONTACTING XXXX, EXPERIAN AND XXXX BECAUSE THEY HAVE INCORRECT PAYMENT HISTORY ON MY CREDIT REPORT ( LATE PAYMENT ) I SPOKE TO REP AT XXXX XXXX   TO DEFER MY PAYMENTS FOR XXXX, XXXX THIS SHOULD NOT BE REPORTED AS LATE BECAUSE OF COVID 19 ( XXXX XXXX ) ACCOUNT NUMBER XXXX PAYMENT PAST DUE FOR THE MONTH OF XXXX, XXXX AND XX/XX/2020 ALSO THE BALANCE IS INCORRECT ON THIS ACCOUNT I RQUESTED FOR A PAYMENT TO BE DEFERRED BECAUSE OF THE COVID 19

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 2020-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED 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. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 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. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as  required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED 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. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 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. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My family agreed on a lease on XX/XX/XXXX, a security deposit of {$900.00} was made through XXXX XXXX and on XX/XX/XXXX a first months rent of {$1000.00} was also transferred using XXXX XXXX XXXX  with Zelle to the individual that we hours later found out was scamming us into the lease and is not the actual owner of the home. We can not reverse the payments made without the scammers agreement which of course he will not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XX/XX/XXXX ) 2. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit

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 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
When Hurricane Irma tracked through Florida in 2017 we had damage to our property where we reached out to the servicer Roundpoint for assistance for one payment to help pay for repairs that insurance did not cover, they advised area has been designated by FEMA and they were offering assistance for impacted borrowers. 
We were advised there would be no negative impact with any credit bureau reporting and no fees and account was placed in a Forbearance status. 
We completed the trial payments and accepted modified terms. 
The account did report to the credit bureau late but was later corrected by the servicer. 
The complaint I have is the loan level advance fee for {$15.00} that was charged from the property inspection that was ordered from the modification. 
Our area was a FEMA designated disaster area, Roundpoint advised no fees while account was in Forbearance status. 
I have tried twice to have fee waived, they said would escalate to their appropriate department for review and still no adjustment. 
Other than the assistance I asked for from Roundpoint, I have never been late with a mortgage payment, they would not waive for even customer first I have no confidence with Roundpoint to further assist me with matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX & XX/XX/XXXX ) 2. ( EXPERIAN XXXX XXXX & XX/XX/XXXX ) 3. ( EXPERIAN XXXX XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2020 I filed a cfpb complaint against Experian for refusing to remove the XXXX late payment that was reporting on my credit report. On XX/XX/2020 while checking my Experian credit report I noticed that Experian completely removed the XXXX account " instead of just removing the late payment ''. I reached out to experian asking them to please place the XXXX account back onto my report which they refused to do, saying that I would have to contact XXXX. when I contacted XXXX they informed me that they did not remove the 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 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit

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 2020-07-01 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: FL

Complaint narrative:
Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: AL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , Inc. XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2020-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX {$450.00} was returned to our escrow account Taxes should have only been paid once in XXXX for {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8400.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} Taxes should have only been paid once in XXXX for {$8000.00} It wasn't until XX/XX/XXXX that we discovered Amerihome had sent additional payments from our escrow account to pay our taxes erroneously. Amerihome 's error caused a $ XXXX shortage in our escrow which made our XXXX payment go from $ XXXX/mo to $ XXXX/mo.  They refused to take a payment for our normal monthly payment stating they can only take a payment for what their system shows is due, which has caused our account to go past due. We have spent the last 4 months trying to get Amerihome to correct their error with little resolution. When we call in we get told incorrect information and transferred from department to department. We're told that things will take a certain number of days to complete, but end up taking longer and only after we've called in again to get an update on the situation. We've had to write 3 letters so far pertaining to issues that we dispute and need to be fixed or removed. It has taken Amerihome 4 months so far to address the problem with our escrow that we had figured out within a day what was wrong and what needed to be done to resolve it. We fear this will continue for at least another couple of months as they muttle through passing the buck from department to department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am trying to link my account to XXXX XXXX XXXX  and PNC Bank will not let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: OH

Complaint narrative:
This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.

Company response to consumer: Closed with explanation