vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello! a family member of mine opened accounts in my name and I have a bunch of fraudulent inquiries on my credit report that I didn't authorize. I've attached my Identity theft report, and proof of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are items on my credit report that do not belong to me. The following items are inaccurate on my credit report and I would like them to be corrected/ removed as I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed in a timely matter PLEASE! 

XXXX  card Account # XXXX This account is fraudulent and inaccurately reporting to my credit. 

XXXX  XXXX Account # XXXX This account is also fraudulent and inaccurately reporting to my credit. 

XXXX Account # XXXX And this account is fraudulent and inaccurately reporting to my credit as well. 

I have also sent out letters to each Bureau on XX/XX/2021 ( which I will be including ) but no resolution or help has been met.

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 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: AZ

Complaint narrative:
PREVIOUS LOAN # XXXX NEW LOAN # XXXX I MADE MY REGULAR MORTGAGE PAYMENT ON XX/XX/2021 TO AMERICAN PACIFIC/WEB PAY. APPARENTLY AMERICAN PACIFIC SOLD THE LOAN SERVICING TO XXXX XXXX  AROUND THIS TIME. NOW MY PAYMENTS HAVE CHANGED TO PAYING XXXX XXXX  INSTEAD OF AMERICAN PACIFIC. I HAVE A BANK STATEMENT SHOWING TWO ONLINE PAYMENTS ON XX/XX/2021. ONE IS XXXX FOR THE MORTGAGE AND ANOTHER PAYMENT OF XXXX THAT SHOULD HAVE GONE TO THE PRICIPLE OF THE LOAN. I MADE MY PAYMENT FOR XXXX TO XXXX XXXX  AND THEY INFORMED ME THAT I WAS DELIQUENT ON MY XXXX PAYMENT THAT WAS NEVER FORWARDED TO THEM FROM AMERICAN PACIFIC. THE PAYMENT IN QUESTION CLEARED MY BANK ON XX/XX/2021 AND I HAVE THE STATEMENT TO PROVE IT. AMERICAN PACIFIC DID NOT FORWARD THE PAYMENT TO THE NEW LOAN SERVICER. SOME ONE IS ATTEMPTING TO STEAL A MONTHLY PAYMENT FORM ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has once again sent me a letter stating that 2 items were verified as accurate. If you look atXX/XX/XXXXI just submitted a complaint and they responded they will look into it. TodayXX/XX/XXXXI received a letter back stating these accounts were verified. They sent me a letter and stated they verified the information through the courts which is not true. I sent a letter from the courts certified onXX/XX/XXXXand it stated they do not verify this type of information with the credit bureau to transunion. I called today and was told they received my document, but they have not removed these items from my report and then got disconnected after holding for 30 minutes and being out on hold. They not only have violated my FCRA they have also lied on the courts as well. The 2 items are Chapter XXXX bankruptcy XXXX and Chapter XXXX. How can they not remove these items which were confirmed not verified through the source. I have attached the documents below.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In response to the account XXXX/XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I don't recognize these inquiries nor did i authorize any of these corporations to run my credit XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The company Portfolio Recovery Associates acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/XXXX I noticed a late payment on my credit report from amazon prime synchrony, Account ending in XXXX, for the amount of {$15.00}. I have not even used this card yet and they cant explain to me where the charges came from : XXXX XXXX XXXX WA XXXX Free {$6.00} Late Fee {$6.00} Minimum Interest Charge {$1.00} Minimum Interest Charge {$1.00}

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 monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This complaint has bearing on two previous complaint numbers XXXX and XXXX. 

XXXX at XXXX XXXX XXXX ( XXXX ) routinely and intentionally asks potential renters to sign a rental application and, upon approval, presents them with a rental agreement to sign that could surprise some potential renters, like me. The specific material facts that XXXX failed to disclose to me are related to the stay of guests in the apartment. Since I was to rent an apartment, XXXX should have made me aware of its policies regarding the stay of guests before asking me to pay the application fee of {$50.00} and the holding deposit of {$100.00}. But, it did not. Since I was made aware of the policies after my signing of the rental application i.e. when I was presented the rental agreement for my signature, I rightfully refused to sign the rental agreement on the grounds that XXXX failed to disclose its policies regarding the stay of guests, and demanded XXXX refund of both the application fee and the holding deposit tome. XXXX argued that the application fee and the holding deposit are nonrefundable and refused to refund the amounts paid by credit cards. 

Upon my disputing the charges with the banks that issued the credit cards, XXXX did not satisfy the banks that it did not fail to disclose its policies regarding stay of the guests or that the policies were not material. As such, the banks credited the disputed amounts and closed the disputes in my favor. 

XXXX then maliciously added certain other charges of its own and contacted XXXX XXXX and Outsourcing ( FCO ) to pursue its claim. XXXX made no mention of prior credit card disputes to FCO. Instead, XXXX misled FCO to believe that certain checks were returned for insufficient funds, a blatant lie on the part of XXXX. As of the date this complaint is filed, XXXX is aware of the reason why I refused to sign the rental agreement, but has not disclosed it to FCO. 

FOTAs failure to disclose the specific policies regarding the stay of guests in the apartment renders my rental application legally void, and could subject XXXX to fraud charges for concealing material facts in dealing with potential renters.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I did an online hotel booking thru XXXX for XX/XX/2021 to XXXX XXXX and XXXX XXXX XXXX XXXX. 
The finance company Affirm has harassed me via phone and has turned in to the credit bureau I have late payments on a booking that never happened. XXXX XXXX refunded XXXX and XXXX only refunded the Affirm company XXXX on XX/XX/2021. I ow no one for anything and let Affirm know their issue is with XXXX as I NEVER gave Affirm permission to pay for a booking that never took place. XXXX will not contact me about the due monies to Affirm that they have been paid back by XXXX XXXX. This is defamation of character to myself and also blatant harassment. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I applied to increase my existing HELOC with PNC bank in XXXX. I currently owe them {$30000.00} on the existing account and I sought to raise it to {$300000.00} in order to purchase a new home and sell my current home. They appraised my home at {$680000.00}. I have a balance on my mortgage of {$52000.00}, thus I have a good amount of equity. I also have an investment account worth approximately {$650000.00}. I currently have {$25000.00} in my bank account with PNC which I have had since 1973. My credit rating is XXXX. I retired as an attorney in XXXX and am receiving social security. My husband is still working however because his name is not on the deed, I did not put his name on the application. 
Today, XX/XX/XXXX, I was notified that my application has been denied due to insufficient income and " excessive obligations in relation to income. '' Because my assets are well in excess of the financial obligation I sought, I believe this is discrimination due to age and related employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
LLNV Funding is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are multiple wrong names plus wrong addresses on my report. I have tried to correct this multiple times. This last time I have tried doing this through Experian. I was told that it could not be done on line so asked for the free credit report so as to get everything written down correctly and then was going to put everything in writing. This started over a month ago and nothing has shown up. A couple of times I have tried to contact them on line to see what is happening. I go to the " contact us '' drop down and tried to do so. Of course they are unable to help and I must call a " number ''. I try to do so, they ask a bunch of questions and eventually get to something that I do not know the answer to. We then go around a couple of a ring around the rosy and they hang up. 
Could you please get me my supposedly free copy of my credit report from Experian so that I can dispute there misinformation in writing as they demand. 
Regards, XXXX XXXX XXXX XXXX My first name is XXXX, my middle name is XXXX The initials do not stand for anything and do not have periods after them.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc.
State: TX

Complaint narrative:
A fraudulent account was set up in my name by a company named MoneyLion ( I've never heard of or applied for anything from this company ). I contacted this company three months ago to make them aware of the issue. In turn, they stated they closed the account. Two months later, a 30 day past due alert was posted on my credit reports for XXXX, XXXX, and XXXX. I immediately contacted MoneyLion again to make them aware of the errors. They researched the account and notified me, through email, this account is fraudulent and the account is closed and they will report it to the credit bureaus. Three days ago, I received a notification that the accounts are over 61 days past due. This has brought down my credit scores substantially and is preventing me from refinancing a property I own. I feel as though MoneyLion is not taking the steps they claimed they are taking and therefore putting my credit profile at risk. 

Your assistance in the matter is greatly appreciated! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the XXXX, as directed by section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice XXXX XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello! a family member of mine opened accounts in my name and I have a bunch of fraudulent inquiries on my credit report that I didn't authorize. I've attached my Identity theft report, and proof of my ID.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans union is reporting an eviction on my report that is fraud XXXX is reporting student loan that is not mine

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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The company XXXX XXXX XXXX acquired a possible debt older than 8 years of age. Resurrected the file on XX/XX/2018 bringing back to life an expired account. 

This record should be extirpated from file due to status of limitation on collectible debts and legal terms showing up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In response to the account XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.

Company response to consumer: Closed with explanation