vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
In XXXX of 2022, I received notification via mail that Ability Recovery Services acting on behalf on XXXX was attempting to reinstate an old debt back onto my credit report. 
It has been several years since the XXXX and all debt collectors have reached out regarding this debt being removed from my profile. The notification from Ability Recovery Services laid out a few options that I had before the debt was replaced back on my profile. One which included Verification of Debt. The notification provided a date in which the dispute or request for additional documents were to be submitted. Two days after receiving the notification via mail, a debt validation letter was sent to Ability Recovery Services to request hard copies to prove that the debt belonged to me. I have received no additional follow-ups from the debt collection company and the debt was placed on my profile regardless. 

I have noted that this company apparently has been notorious for this happening in the past with other clients.

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 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
I received mail claiming to be from XXXX XXXX. They gave me three options to pay them {$700.00} or face the grave consequence. They put XX/XX/2022 as deadline. I suspect retaliation and/or persecution by organized criminals of the past, present and future who kidnapped my rights very long ago by violating the RICO Act. Let justice take its course.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete

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 2022-03-13 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: PA

Complaint narrative:
I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.

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 2022-03-13 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I called Equifax Information Services, XXXX about the deletion of unauthorized hard inquiries on my consumer report in XX/XX/XXXX. They directed me to call the creditors to have them request that the inquiries be removed from my consumer report. I called the creditors but was not able to reach anyone that could help me. 

On XX/XX/XXXX, I sent 9 letters to Equifax Information Services, XXXX at XXXX XXXX XXXX XXXX, GA XXXX to demand deletion of each inquiry reported on my consumer report where my consumer report was obtained without my authorization or permissible purpose under the FCRA. I requested the following inquiries be deleted ( letters attached ) : 1. XX/XX/XXXX, XXXX XXXX XXXX 2 . XX/XX/XXXX, XXXX XXXX XXXX BANK 3 . XX/XX/XXXX, XXXX XXXX XXXX XXXX 4. XX/XX/XXXX, XXXX XXXXXXXX 5. XX/XX/XXXX, XXXX XXXX 6. XX/XX/XXXX, XXXX XXXX XXXX XXXX 7. XX/XX/XXXX, XXXX XXXX XXXX BANK 8 . XX/XX/XXXX, XXXX XXXX XXXX BANK 9 . XX/XX/XXXX, XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX has not adhered to my request to promptly delete the unauthorized inquiry or if they conclude that the inquiry listed is verified, I request details of their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: MO

Complaint narrative:
On XX/XX/22 I sent TranUnion a letter disputing the validity of the bankruptcy. They responded with a letter that it was verified through a third party. 

I informed TransUnion that this bankruptcy has already been deleted from XXXX. I also asked them to provide proof of there investigation. Specifically I asked TransUnion to reveal the method of verification or delete this according to FCRA. They have refused to delete this item and they have refused to respond with verification methods.There actions are impeding my ability to option credit and have costed thousands more in interest. 

The item needs to be deleted from my credit report if it can not be verified with the original creditor within 30 days.

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 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery ( XXXX Bank ) -incorrect account number -incorrect account type -incorrect account status -incorrect monthly payment -incorrect last day reported -incorrect two year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete

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 2022-03-13 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: DE

Complaint narrative:
I am requesting for incorrect information to be removed & blocked from my credit report. FCRA Section 623 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Im really worried that COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. COLLECTION BUREAU OF AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to COLLECTION BUREAU OF AMERICA to contact me. COLLECTION BUREAU OF AMERICA has/ or purchased my private information without my consent. I never contracted with COLLECTION BUREAU OF AMERICA. 
COLLECTION BUREAU OF AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand COLLECTION BUREAU OF AMERICA to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for COLLECTION BUREAU OF AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have been a good customer with Citizens Bank for years. Last Friday, a Wire Transfer of {$1500.00} has sent out and finalized without any notification to/permission from me. I have filed my claim with XXXX Police and XXXX Banks Fraud Department. The XXXXustomer Representative of Citizens Bank stalled my request with companys Policy. I have been my money taken out without my permission since XX/XX/2021. I almost ready to move out the apartment which i have lived with my parents. Without this {$1500.00} in my bank account, i cant afford to oay any rent of my new place. I am hopeless XXXX. Please punish Citizens Bank beyond the full extent of the US Law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On the date of the XXXX, of XXXX, 2022, I noticed that I didn't have my phone. When I'm off work I really don't care about my phone because everyone is home on the weekends. Anyways when alerting the bank of me losing my card, and going into the bank I was told that my account was on FREEZE, due to suspicious activity, then the clerk goes onto to give me a new card but comes from the printer with all these papers of how all this BOGUS checks were deposited and transferred out of my account and that my account was to be looked at by security. Now me thinking they would alert me of this, they did but I didn't get them because my phone was Stolen.

So my claim was DENIED I received a call from BECU 's security accusing me of leaving my phone unlocked with all my information on it. The reason I leave my phone unlocked is due to having Congestive XXXX XXXX, and last time my XXXX XXXX was near fatal and me being a single mother with XXXX children my kids didn't have the information to give the First Responders other than my sister 's phone and with her being a Nurse can't pick up right away, and it be a Fatal situation. So after me explaining to her ( BECU XXXX ) that she goes to smack her lips and asks, your phone was misplaced, are you sure you didn't write a report saying your car was broken into?, I advised her no my case number is XXXX from XXXX XXXX, nowhere in my report is stated a car being broken into. so she's lying. Then she goes on to say that the claim has been denied and they Zeroed out all accounts leaving me no money in my accounts, mind you I have XXXX children and take care of an additional XXXX for my sister while she works, glad I have credit cards because it seems BECU think I'm in on it. I REALLY hate that they view me as such, but with the scammers having my information I'm to suffer. My information is no longer on my phone as I have deleted all private information and put my information needed for First Responders in a safe area my son knows.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
cap1/wmt is reporting incorrect information. 

-Two year payment history is incomplete -Date Last Active is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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:
I XXXX XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This account was never used and this is an inaccurate account with the dates given. I don't owe this company anything. This account is old and must be deleted from all three bureaus.

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 2022-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Phone : XXXX RE : PNC Bank Freezing my account for 30 days I was notified on XX/XX/2022, that my account was frozen for suspected scam. I was ask by a friend to accept XXXX funds and then buy bit coin and send it on to her. I have know this person for 4 years and trust her. One of the people that sent funds contacted me and said they had been scammed. I offered to return their money, but she must have filed a complaint. 

The major problem of this situation is the uncaring inhumane policy of PNC Bank. In freezing my account they will not let me access any funds from an ATM. They also will not let me pay my bills such as utilities, taxes, credit cards, and buy medication such as XXXX XXXX until after XX/XX/XXXX. 

I contacted PNC Bank by phone and was told the above and I would just have to wait until XX/XX/XXXX to do anything. They said an investigator would be contacting me but I have not heard from anyone in the last 16 days. Each person I talked to said nothing could be done to unfreeze my account until XX/XX/XXXX and it could even take 90 days. I feel this is totally unfair when I made an honest mistake thinking I was helping someone. I now have {$34.00} in my pocket to last me until XX/XX/XXXX or beyond to buy food, gas, necessities and mediation. I have been out of XXXX XXXX medication for almost a week. 

On Friday, XX/XX/2022, I was told PNC was closing my account. I ask when I would be able to get my funds and the branch manager told me he had no idea. That another department would take care of that. The manager has filed complaints on my behalf but still no one has contacted me. 

I would like to have PNC Bank to remove the freeze on my account since I provided one representative all the information of how this situation came about. I take full responsibility for my mistake and will be glad to make restitution to many one that was harmed in this situation. At this point I would like to have my {$8000.00} plus money as soon as possible since this has become a medical emergency and they do not care about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: DE

Complaint narrative:
I am requesting for incorrect information to be removed & blocked from my credit report. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-03-13 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: DE

Complaint narrative:
I am requesting for incorrect information to be removed & blocked from my credit report. FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13 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: MD

Complaint narrative:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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