vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: CA

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2020 an Inquiry for Citibank hit my XXXX  credit report I have not applied for anything so this inquiry is definitely fraud.

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 2020-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes Benz is reporting incorrect and/or fraudulent debt information on my credit reports. Mercedes Benz states I owe them {$210000.00} for a vehicle that was vandalized approximately 18 months ago. The vehicle was stored at XXXX XXXX in XXXX California and the vehicle was declared a total lost by the insurance company, Mercedes Benz handled the insurance claim. I do not owe any money to Mercedes Benz.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
I originally purchase the car through XXXX XXXX on XXXX the loan amount was different and I had to come back in and resign for a different amount after I had already taken possession and they had sold my trade in so I was forced to keep the car. I was told that the payments wouldnt start until 6 months later then called 45 days into the loan telling me that I was late I was confused. My payments went up from XXXX to XXXX a month I my car was surrendered and they have sold the vehicle and still showing I owe the entire the balance and monthly interest being reported monthly which is affecting my credit. They are telling me this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 an Inquiry for XXXX hit my equifax credit report I have not applied for anything so this inquiry is definitely fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They closed my account and still have over XXXX in there and cant use it

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 2020-12-29 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: Kriya Capital, LLC
State: OR

Complaint narrative:
On XX/XX/2020, CREDENCE RESOURCE MANAGE add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CREDENCE RESOURCE MANAGE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 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: Nelnet, Inc.
State: AR

Complaint narrative:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: BC SERVICES, INC.
State: OH

Complaint narrative:
On XX/XX/2020, BC SERVICES INC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BC SERVICES INC has violated my rights as a consumer and I requesting legal action to remove this account 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 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
+My PayPal card was stolen from my possession and someone withdrew {$200.00} twice out of my account after I had gone to a local store " XXXX ''. It was turned into local law enforcement. 
PayPal then reimbursed the withdraws that were done at two separate " XXXX XXXX XXXX ''. One was in XXXX Iowa XXXX and the other was in XXXX Iowa XXXX. Both were for {$200.00} plus the withdraw fees on each withdraw of {$5.00}. 
Now Paypal is expecting me to pay them back for them even with a police report due to the fact that I checked the balance before my visit to XXXX and after the withdraws from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-29 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: CA

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting that I am ( 120-150 ) days late on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was in the middle of a child custody case and was instructed by my attorney not to continue to pay child support until after the court made its final decision as to who was to receive full custody of my child. I won sole, legal custody and therefore there are no child support payments to be disbursed. I have attached a copy of the Cancellation of Wage Garnishment Order along with a copy of the Final Custody and Support Orders for reference. The lates that are reporting are false and are seriously harming my credit score. These lates need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-12-29 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: AR

Complaint narrative:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

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 2020-12-29 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: AR

Complaint narrative:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: AR

Complaint narrative:
After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed

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 2020-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
on XX/XX/20 i purchased a XXXX XXXX watch using my debit card i never received the merchandise so my bank told me to sub a dispute to my local branch. i was denied the dispute. my bank could not tell me what institutions the money went only the merchant how can this be when i received a credit of {$14.00} on XX/XX/20 when i know that the money did not go direct to the merchant because my account was debited by XXXX XXXX for {$58.00} on XX/XX/20. they are rejecting my dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports.

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 2020-12-29 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2020, I made a request with my previous insurance broker to cancel my coverage through XXXX XXXX XXXX effective XX/XX/2020. I had already signed up for replacement insurance coverage for my home via XXXX XXXX. 

The new insurance with XXXX XXXX was scheduled to take effect on XX/XX/2020. 

This notification was sent to NEW REZ on XX/XX/2020. 

On XX/XX/2020, I received a letter from NEW REZ dated XX/XX/2020. This letter stated that I NO INSURANCE as required by my loan agreement. The letter also stated that NEW REZ would buy insurance coverage for my home which may not be to my benefit. 

This is the second time I have had to submit a complaint about this company. The last time, I TRUSTED that they would IN GOOD FAITH, correct their error. Unfortunately, they did not do so and continured to harass me and my family for payments they had already received. 

That said, I submitted proof of my insurance to them on XX/XX/2020 ( via website https : XXXX ) as well as by fax on XX/XX/2020. The fax was sent to XXXX XXXX XXXX XXXX. 

This means that they were notified on three ( 3 ) separate occasions that i have the required insurance coverage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: IL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXXI add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX, TransUnion and & XXXX  have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC.

My initial dispute started XX/XX/2020 and my most recent is early XX/XX/XXXX. The total debt amount is less than {$8000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX  and & Equifax have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC. 

My initial dispute started XX/XX/2020and my most recent is early XX/XX/XXXX The total debt amount is less than {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have applied to refinance my mortgage with a new company. The new mortgage company informed me that my Equifax was frozen and that they were unable to obtain my credit score because of the freeze. I tried to unfreeze the Equifax report online but was denied. I tried multiple times to unfreeze via phone but either was hung up on or put on hold for up to an hour. When I did get ahold of a human ( it was obviously being serviced by an overseas customer service person who was very hard to communicate with ). 

I tried to get the yearly free online copy of the Equifax credit report and was denied. 

I would like your help in resolving the problem with Equifax. I NEVER put a freeze on Equifax. I would like Equifax to unfreeze my account and explain how it was frozen initially. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
My social was stolen during the XXXX  hack and multiple energy company accounts were open as a result. XXXX  XXXX  transferred the debt of an account that was opened without my authorization to a debt collection agency. XXXX has been contacted.

Company response to consumer: Closed with explanation