vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear NRA/National Grid ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-07-16 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} CREDIT COLLECTIONS SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Absolute Resolutions Corp.
State: CA

Complaint narrative:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} ABSOLUTE RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} ABSOLUTIONS RESOLUTIONS INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX  UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened US Bank account in XXXX and made 2 direct deposits to the account to meet open-account bonus requirements ( open account bonus promo:XXXX ). But after 4 months, I haven't got my open account bonus.

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 2021-07-16 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: MS SERVICES LLC
State: CA

Complaint narrative:
ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX UNKNOWN ADDRESS {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2021-07-16 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: NJ

Complaint narrative:
Ive sent a letter on XXXX to all 3 major credit reporting agency regarding some inaccurate accounts on my credit report. its been 3 month and I have not gotten a response yet. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AZ

Complaint narrative:
To whom it may concern, I am reaching out for help as i was a victim or identity theft.. I have a family of 4 and have been attempting to get erroneous account removed off of my TRANSUNION and XXXX  credit report for years now. Please see the below listed experiences that someone has fraudulently open with my information listed in no specific order. 

TransUnion : XXXX XXXX credit card charge off of {$800.00} account opened fraudulently XX/XX/XXXX XXXX XXXX is reporting an account that was listed in a XXXX bankruptcy and must be removed from all reporting per the FCRA ss 609 laws. 

XXXX XXXX XXXX was an account that was also listed in a bankruptcy in XXXX and again must be removed from all reporting per the FCRA ss 609 laws. 

XXXX  : XXXX  XXXX XXXX XXXX is reporting fraudulent auto title loans bills listed as purchased debt of {$690.00} for an account that was opened incorrectly as per the identity theft case listed for TransUnion and must be removed from all reporting per the FCRA ss 609 laws XXXX XXXX CO is reporting fraudulent medical bills listed as purchased debt of {$500.00} for an account where i have never even visited as per the identity theft case listed for TransUnion and must be removed from all reporting per the FCRA ss 609 laws XXXX  and Transunion has both listed bankruptcy 's listed on my report that have been discharged since XX/XX/XXXX. They are also reporting a duplicate bankruptcy as well which dated XX/XX/XXXX which is impossible granted the 7 year mandatory resolution time. The bankruptcy was never even filed and needs to be removed per the FCRA ss 609 laws. 

As part of the identity theft during the same time period there were countless hard inquiries made into the Transunion and XXXX  platform for people attempting to obtain credit cards per the FCRA ss 609 these are fraudulent inquiries and unverifiable and must be removed immediately. 

We have spent countless hours and money attempting to work with these reporting companies only to get no help. 

Please help resolve the matter at your earliest conveinence.

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive filed several of disputes with Equifax since XX/XX/XXXX - last week. Ive received an email on yesterday saying my disputes is complete. I logged in to view the results but once I click on PDF file to view it, nothing happens. I called Equifax yesterday and told the representative that Im not able to view the results online. I request for her to send my results by email but per the representative she can only mail it and it will take 7-10 days. Per the representative my account is locked. She stated that she will unlock it but I will need to wait 30 minutes to an hour before trying again. I explained that Im able to log in so my account isnt lock. Ive tried all day yesterday after the call and again on today and Im still not able to view anything! I need to be able to view my entire credit report online along with the results from my dispute. Also Ive reported a name change and address change back in XXXX when I had gotten a divorce but on yesterday the representative address me as my previous married and also stated an old address on file as my current address. I explained to the representative that all changes was made years ago and the other credit bureaus have the correct information but Equifax isnt updating any of my information! The representative did not unlock my account for me to view it online and did not address my concerns about updating my credit file. The representative release the call before confirming she updated my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
I have tried to apply for a loan modification in the beginning of XX/XX/XXXX, I have submitted all documents they ask for, and at the end of the process they ask for things that have either been settled, or have never ask before, the issues they ask for documentation for was the following : proof of a child support lean ( state of Iowa ) was taken off of title, I gave them documentation of child support payments stopped back in XXXX in a court order. I gave them the court documentation and also documentation from the Iowa Child Support recovery unit. Second they ask for proof that they ex wife did not have any stake in the property, I have them a copy of the divorce decree, stating that my ex wife did not have any stake in any property that I own. The last thing they ask for was proof of mortgage of the address XXXX XXXX XXXX XXXX, XXXX IA XXXX, due to I collect rent for this address, this is the other side of the duplex that I currently have a mortgage with Community Loan Servicing. They are asking for a proof of mortgage of a property that they are the lender for! I have I have given them a copy of the assessors site page showing my house is a duplex, but also I gave them a letter from the City of XXXX IA, stating that both XXXX and XXXX XXXX XXXX XXXX, XXXX IA XXXX is the same building, and that they and the assessors office only references the XXXX address as it is the parcel address that they use for tax purposes. I have given this information before the suspense date that they gave for receiving documents, but they still declined my applicant stating that I did not fulfill the documentation requirements, which is False!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a Chase Privat Client, at least that is what they told me. I got notification tonight that {$26000.00} was taken out of my account. I now have no access to my own account. I have called Chase and waited on hold 2 separate times for 1 hour ( 2 hours and counting ). No one will answer. I have a large business account that I no longer have access to. I need help ASAP. They will not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
I signed a title insurance policy with XXXX XXXX  on XX/XX/XXXX. XXXX knew the title was defective when I signed on. The title 's effective date was XX/XX/XXXX. I discovered several defects in the title and informed XXXX in XX/XX/XXXX but the company has not responded. They were supposed to disburse or transfer money to me in the amount of {$210000.00} yet to date they are non-response. In the contract the company had agreed that " XXXX  XXXX XXXX XXXX XXXX insures your title resulting from defects arises before the effective date of the Policy, which is XX/XX/XXXX. '' Their business practices have caused me injury as they are false, deceptive and misleading. 

Among many of the defects were : the company under which the title was written XXXX XXXX XXXX XXXX XXXX ) was not authorized to conduct business in Texas or any other state, and the contract/policy XXXX signed me up with includes the following violations : 1.The Consumer Financial Protection Acts ( CFPA ) prohibition against deceptive acts and practices. 

2. The Texas Deceptive Trade Practices Act ( DTPA ) which protects Texans against false, deceptive and misleading business practices. 

3. Violation of Sec. 156.201 of the XXXX XXXX XXXX which states : ( a ) A person may not act in the capacity of, or engage in the business of, or advertise or hold that person out as engaging or conducting the business of a residential mortgage loan company in this state unless the person holds an active residential mortgage loan company license, is registered under Section 156.2012, or is exempt under Section 156.202. 

I therefore ask you to pursue this issue on my behalf, as they are not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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:
fdcpa letter and ftc report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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:
On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact TransUnion. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify TransUnion to remove but when I spoke to Transunion multiple times after that and today the last time I called and spoke to a XXXX  at TransUnion is today to find out whats going on and why they are still listed on XX/XX/XXXX. Transunion told me that they have no communication from the agency about removing collections from my account. Transunion closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if TransUnion agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.

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 2021-07-16 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