vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: SC

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 : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020 ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/2020 ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SC

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 : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/XXXX ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/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 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: PA

Complaint narrative:
The City of XXXX will be putting a lean on my property XX/XX/2021 because of unpaid property taxes in the amount of XXXX that hasn't been receive from Gregory Funding. 

I make my payments Each month to Gregory Funding which includes payments towards property Tax. 

I have XXXX $ in my Escrow Account that Gregory Funding has access to but they have not made any payments towards my Taxes. 

I had several Communication within the past three months with Gregory Funding and FHA and nothing has been resolved at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
No response from the phone number given for resolution. XXXX. Ext XXXX. Inappropriate ads and recordings : not a direct line to the staff. Bank of America. Promise to refund {$800.00} of PMI for payment yet to be 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 non-monetary relief
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
franklin debt collections has posted a of {$310.00}, from XXXX XXXX XXXX, that is not mine. I don't subscribe to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
My Son XXXX XXXX XXXX is using my information to open bank accounts in my name because he owes IRS over XXXX XXXX dollars in back taxes. Pinnacle Bank in XXXX NC is allowing XXXX and XXXX XXXX to use my personal information. I did not authorized Pinnacle Bank to open or use my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, XXXX  and Experian on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed 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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, ONEMAIND add a hard inquiry on my credit report. On XXXX. XXXX, 2019, XXXX XXXX  XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
I am writing today in regards to two accounts I have reported on my Transunion report which is reporting inaccurately. 1. XXXX XXXX  Account # XXXX 2. XXXX XXXX Account # XXXX. The payment status for both these accounts are listed as Late 90 days this issue is that this is not accurate since it is paid off account with a XXXX  balance. 

I have notified Transunion on multiple occasions without getting responses.

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 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
On XX/XX/20 I sold my property. The mortgage, held by Dovenmuehle, was paid in full. 

The balance of the escrow account at the time was {$3000.00}. On XXXX an additional automatic payment was deducted from my bank account in the amount of {$1900.00}. The total due to me is {$5000.00}. 

To date I have not received any refunds. Dovenmuehle website shows two payments were made to me on XX/XX/XXXX and XX/XX/XXXX in the amounts of {$1100.00} and {$1900.00}, but those checks were never received. I have a mail forward to my current address, so any checks mailed to the property address would be forwarded to me. 

The escrow account currently shows a balance of {$1900.00}. I have called three times since XXXX and have been promised that someone will fix this and send me my money, but no-one has. 

As it has now been over 4 months since the account was closed, I would appreciate your prompt attention to this matter and to the issuance of the refund, which currently stands at {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Today I have contacted y'all about my claim Date,XX/XX/20 Transaction,27 Transactions in Claim Amount, {$320.00} Claim Number,XXXX Status : Closed some agents telling me a different story. Some say that some of the payment wasn't billed. I already got all the credits to the claim, and some say that the old claim got created into a new claim with a new case number that is still under review, and I am confused ; I don't know who to believe.

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 2021-01-05 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:
As I am an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XX/XX/XXXX EQUIFAX WAS FRAUDULENTLY REPORTING A CH XXXX BANKRUPTCY ON MY PERSONAL CREDIT FILE. 
I IMMEDIATELY CONTACTED THEM FOR DELETION AS THIS IS THE RESULT OF IDENTITY THEFT. 
THE BK WAS REMOVED AND I HAVE CONFIRMATION, TODAY XX/XX/XXXX I RECEIVED AN ALERT THAT EQUIFAX HAD PLACED THE BANKRUPTCY AGAIN ON MY PERSONAL CREDIT FILE. 

I SPOKE WITH XXXX IN OFFICE OF CONsumer AFFAIRS with EQUIFAX AT APPROX XXXX ; XXXX XXXX  XXXX XXXX, XXXX AND SHE GAVE A CONFIRMATION NO OF XXXX to the permanent removal and blocking of this account for the 2nd time. caseno XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted Transunion, XXXX  and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed 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 2021-01-05 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: MS

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

There are invalid inquiry entries on my credit reports that do not belong to me. I have contacted XXXX, Equifax and XXXX  on many occasions in effort to mitigate the misinformation. These inquiries are severely effecting that which would otherwise be considered good to excellent credit ratings. I am a business owner. it is my desire to obtain business credit but am hindered by this mishap. The inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent a letter to the credit bureaus XX/XX/2020. I have not received any results yet. It has been over 60 days. That is a voilation. I demand for those accounts to be deleted at once. I feel as if they are taking advantage of me and not taking my request serious. I also sent a complaint through consumerfinancial.gov/complaint a few weeks ago. This is my second attempt to send a complaint. I received a letter from you saying you threw out my last complaint for not identifying myself. I am Who i say I am.

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 2021-01-05 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
XXXX credit bureau is reporting inaccurate information on my credit report.I have resolved the issue with XXXX  and XXXX. The accounts are listed below : 1 ) EXETER FINANCE LLC Account number XXXX XXXX ) XXXX XXXX Account number XXXX 3 ) XXXX XXXX XXXX  Account number XXXX 4 ) XXXX XXXX Account number XXXX XXXX is also reporting multiple inquiries that don't belong to me. 

1 ) XXXX XXXX XXXX XX/XX/2020 2 ) XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I applied for a BJs Credit Card through Comenity Bank. They approved it for a {$10000.00} limit. In less then a month, they closed it because they said they didnt like some information found on my credit report. Now I have an account that was opened and closed within a month on my credit report. This leaves a negative mark on my credit stating that the creditor closed my account less then a month after opening the account. I requested the bank to reopen the account but they will not. I rank a VERY GOOD credit score. If they dont want to extend the line of credit then so be it. However, I should not be penalized on my credit statement showing an account that was opened and immediately closed. If they they didnt like me credit report then they should not have approved it just 3 weeks prior. I showed no sign of excessively utilizing the given credit line, so there determination should have taken place before opening this account. So I would like to request the removal of this account off my credit report entirely. This is not fair for them to leave their mark on my credit report for 10 years based off something they could have denied from the beginning. Please let me know if you can be an assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: TN

Complaint narrative:
My car was deemed as a total loss. I had Insurance and GAP insurance. Theres absolutely NO REASON I should have a balance when I had insurance in place of this and this lender didnt work make sure GAP covered the balance. They instead charged me fees that I shouldnt have or be responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has a very confusing dispute resolution process that invites user error and breakage into resolving transactions through their service. I used PayPal to purchase a subscription service. I only used my PayPal account as the point of sale administrator and used my credit card, linked to the PayPal account, for the funds. I ended up not needing the subscription and received a refund from the merchant. However, there were 2 transactions. One for {$170.00} and one for {$49.00}. The merchant refunded the {$170.00} transaction but did not remember to refund the {$49.00} transaction. I then opened a dispute with PayPal for them to resolve this situation. I then received emails stating that my dispute will close on a certain date as the merchant has not responded. This made me think that i would be refunded. I even called into the IVR, as I could not reach a call center rep, and it stated that if the merchant does not respond that the dispute will be closed. The date came around and I received a message stating that the dispute had been closed and could not be re-opened, yet there was no refund on my PayPal account. I called customer service at PayPal and, after 40min in queue, I reached a rep that stated that I ( the customer ) am supposed to call into PayPal and re-escalate the dispute to a claim when the merchant does not respond. I said I tried all of that prior to opening the dispute. They explained that it was the customer 's responsibility to open a dispute, work with the merchant, then call PayPal to escalate it to a claim. This is confusing and seems to try to get PayPal off the hook to handle these disputes. It also keeps the customer misinformed about the dispute/claim process so once they do try to get an update on progress, it may be too late. I've worked for many financial institutions where these types of practices would be examined by regulators. I would be embarrassed by this process. Wanted to pass along my experience.

Company response to consumer: Closed with monetary relief