vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today, XX/XX/2020, I received an alert from both XXXX and XXXX XXXX that Experian had processed a inquiry from XXXX XXXX  into my credit history yesterday, XX/XX/2020. I have never done any kind of business with XXXX XXXX, so I decided to contact Experian to tell them that this inquiry was not authorized by me. Furthermore, Experian already has an active freeze in place on my credit report, so they shouldn't be responding to such an inquiry in the first place. I was unable to get anyone from Experian on the phone. Their automated telephone system asked me to visit their website to place a fraud alert on my credit report, which I did. I made three attempts to activate a fraud alert using their web form. All three times, I filled out the form completely and accurately, but all three times, all I received was the response, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' As of right now, my credit report still does not have a fraud alert, and I have absolutely no assurance that the credit freeze in place on my Experian report is doing anything to protect me, since they clearly responded to an inquiry in spite of the freeze. This is absolutely unacceptable, infuriating and illegal. An organization that is responsible for the privacy of information of millions of people must be held to a higher standard. Experian should be ashamed of themselves, and heavily punished.

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 2020-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am complaining about the Bank of America on XXXX XXXX in XXXX, ct XXXX This bank removed their drive through window service many months ago while NOT providing any handy cap access. I complained about it three times they did not care. 

Now In the midst of this pandemic they still have no drive through service available and I had no choice but to enter the building with people not respecting the 6 foot rule and a snotty lady manager who made a statement that by the time they opened the drive up window this virus would be over with. No tellers were wearing any protective masks and people were lining up in this banks branch. 

They think this is a joke?

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 2020-03-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I've recently disputed about this sears credit on all three of my credit reports XXXX, XXXX  and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX XXXX or XXXX   accounts.

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 2020-03-29 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: FL

Complaint narrative:
I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, Transunion and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX  XXXX  or Transunion accounts.

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 2020-03-29 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: FL

Complaint narrative:
I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, XXXX  and Equifax on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my Equifax and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my Equifax XXXX or XXXX   accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've recently disputed about this XXXX  credit on all three of my credit reports Experian, XXXX and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and Experian account. The amount owed is {$1100.00} but has not been verified on my XXXX  Experian or XXXX   accounts.

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 2020-03-29 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a XXXX XXXXr with a very stable financial control and I have a credit score of  about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I  was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called ChexSystems from the bank for more details and they denied my new account. 

That was the first time I heard about this company ChexSystems and I filled out a form on their website to get a credit report and my credit score, and they reported XXXX. and the 2 reasons they gave was, 1. Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about.

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this ChexSystems had in XXXX and then XXXX. So ChexSystem mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called XXXX organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the Chexsystems and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.

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 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I sent a dispute letter to Portfolio Recovery on XX/XX/19 regarding a collection account in the amount of {$600.00}. Portfolio Recovery was unable to verify this debt ; however, they reported this to the credit reporting agencies damaging my credit file violating FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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: LEXISNEXIS
State: CA

Complaint narrative:
Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a full-time XXXX with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called XXXX from the bank for more details and they denied my new account. 

That was the first time I heard about this company XXXX and I filled out a form on their website to get a credit report and my credit score, and they reported ~XXXX. and the 2 reasons they gave was, 1.  Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. 

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this XXXX had in XXXX and then XXXX. So XXXX mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called LexisNexis organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the XXXX and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: NV

Complaint narrative:
TODAY 'S DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX : XXXX XXXX, XXXX COUNTY : XXXX COUNTY In the late XXXX  I went to school at a phony University, in XXXX XXXX, CALIFORNIA, the name of which, is very probably known to you XXXX XXXX UNIVERSITY The STUDENT LOAN, that, apparently, funded my " studies '', at XXXX UNIVERSITY, was, APPARENTLY BACKED BY : XXXX XXXX XXXX, IN XXXX XXXX, SD. 

LATER, A FIRM IN XXXX, INDIANA, BEGAN TO RECEIVE MY PAYMENTS FOR THIS SO-CALLED LOAN, FOR MY STUDIES, WITH THIS ABSOLUTELY PHONY UNIVERSITY : THE NAME OF THIS VERY PROBLEMATIC CREDIT COLLECTOR, IS, PREMIER CREDIT OF NORTH AMERICA, LLC XXXX XXXX XXXX XXXX, IN XXXX [ XXXX ] XXXX - XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX XXXX It has lately come to my attention, that I have been making extortionate payments, to pay for a debt that I DO NOT OWE, because XXXX UNIVERSITY, IN XXXX XXXX, CA. WAS NEVER, NEVER, EVER, A LEGALLY, AND DULY ACCREDITED UNIVERSITY. Further, I have been paying this extortion, to PREMIER CREDIT, UNDER THE FALSE ASSUMPTION, SINCE XXXX. I HAVE BEEN PAYING MY MONEY, FOR AN " EDUCATION '', THE CREDENTIALS OF WHICH, ARE WORSE THAN WORTHLESS. 

GOALS : I BELIEVE IT IS ENTIRELY REASONABLE FOR ME, TO REQUEST, THROUGH THESE AUSPICES, AND THESE CHANNELS, TO GET MY MONEY BACK. I KNOW AND BELIEVE THAT A FULL, AND TIMELY REFUND OF MY MY UNKNOWING, AND UNWITTING PAYMENTS TO THIS FIRM OF PREMIER CREDIT FIRM, ARE COMPLETELY AND WHOLLY AND MORALLY JUST, AND PROPER. 

FURTHER, AND ADDITIONALLY, ON XX/XX/XXXX, XXXX XXXX XXXX  INVESTIGATIVE REPORTER, XXXX XXXX, WROTE A LENGTHY, AND THOROUGH, AND ACCURATE ARTICLE, ON THIS UTTERLY FAKE AND PHONY " UNIVERSITY '', AND HOW XXXX UNIVERSITY   HAS GOUGED AND ROBBED DECENT CITIZENS, OF MONEY, AND HARD WORK, TO OBTAIN AN EDUCATION. 

Thank you, XXXX XXXX XXXX DOB : XX/XX/XXXX CELL PHONE NUMBER : [ XXXX ] XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
This credit card XXXX XXXX  that have two entries, should have been removed from my report as it was closed in 2012, I have tried to dispute it but they are a shady company, I am requesting that they both be removed. They are closed and no longer used and they are over seven years old.

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 2020-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cornerstone Holdings, Inc.
State: MT

Complaint narrative:
This was a medical debt that was suppose to be billed to Alaska XXXX, and the facility XXXX XXXX XXXX did not send so they sent directly to their collection agency, attached will be proof it is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MT

Complaint narrative:
The original creditor, Dept of Education/NELNET was marking my loans late when I was trying to get in forbearance, they were very difficult to work with and would not accept my request. Since then, I have refinanced to a company Great Lakes. I have tried to get NELNET to remove the multiple at least 10 entries from my credit report, these are paid and closed and another company has ownership of them. I do not see why it is a problem for Dept of Education/NELNET to remove every listing from all three credit reports as I do not do business with them anymore. This is hurting my credit score with the multiple listings and the late payments because the people that worked there were so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
Convergent Outsourcing has infringed upon my right to privacy as a consumer and violated all the following sections of USC 1692 : 1. USC 1692b. ( 2 ) 2. USC 1692b. ( 5 ) 3.USC 1692c ( 1 ) 4. USC 1692d. ( 1 ) I am Invoking my specified remedy as a consumer. I am demanding that this account be removed from all 3 of my consumer reports, and I am demanding compensation for each violation.

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 2020-03-29 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: GA

Complaint narrative:
Consumer victim of Experian data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX Experian General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates XXXX and XXXX accounts are fraudulent having met criterion for Mediation program. 

Experian Marketing of its False Credit Scores to Consumers As direct result, cause of Experian Financial Services ; Experian Holdings ; Experian Information Systems , Inc ( EIS ) and dba Experian Consumer Services ( ECS ) arbitrary or capricious decision ( s ) to  make or having made full disclosure or public record of ( 1 )  erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date

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 2020-03-29 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation