vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Pursuant to the FCRA, as a consumer, I would say accuracy is the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. In summary, my thesis is when congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Navy Federal Credit Union of taking unjust advantage against me on XX/XX/2021. The most important thing about the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why doesnt it mention being denied for credit? The answer is in Truth In Lending Act. Let me explain. I know there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since 1933.

According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering. I am giving my command to increase the credit limit on my XXXX card. 

Best regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CA

Complaint narrative:
I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.

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 2021-06-15 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: LEXISNEXIS
State: AL

Complaint narrative:
Yes my name is XXXX XXXX. And I had received a copy of my consumer report from Lexisnexis and I notice and public record those two accounts ( XXXX XXXX ) and ( XXXX  housing authority ) which is a civil judgement/lien I will like to dispute those fraudulent eviction form my credit report please remove those accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: GA

Complaint narrative:
I have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
XXXX XXXXt XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXXT XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have a previous claim : XXXX ARS Resolution Services also violated my cease & desist clause they keep spamming my house address with false correspondence and their records have two different service dates for a false debt. The evidence is provided in the documents.

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 2021-06-15 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: NJ

Complaint narrative:
Multiple accounts on my reports I do not recognize

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 2021-06-15 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: NJ

Complaint narrative:
Multiple accounts on my reports I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: LJ Ross Associates
State: IL

Complaint narrative:
I requested that XXXX prove to me how they " verified '' that the account with L J ROSS ASSOC is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: IL

Complaint narrative:
I requested that XXXX prove to me how they " verified '' that the account with XXXX XXXX XXXX XXXX is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: IL

Complaint narrative:
Equifax is reporting a Bankruptcy with all of unverified data with providing a fraudulent method of verification. I requested how they verified it 7 months ago. They claimed to have reached out to a depository that I've opted out of by law. They have lied several times and misreported unsubstantiated data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: OH

Complaint narrative:
On XX/XX/2021, I logged in to my online account with Experian Credit Reporting company and viewed a copy of my Credit Report. The Credit Report No. for this report was XXXX. On that same date, I electronically filed, on Experian 's web site, a dispute about alias names, addresses, and some creditor account information that was incorrect. On XX/XX/2021 I logged back in to my online account with Experian and pulled and viewed a new credit report dated XX/XX/2021, with a Report XXXX of XXXX. I compared this new report to the XX/XX/XXXX report, and noted that many of the items I disputed on the XX/XX/XXXX report had been corrected. However, there were still problems with incorrect alias names on the report, and additional issues with information ( phone numbers, addresses, employer information ) missing from the XX/XX/XXXX report, and no statement on the XX/XX/XXXX report about a Credit Freeze I requested, and that Experian acknowledged placing on my report in a letter to me datedXX/XX/2021. I attempted to initiate another electronic dispute on Experian 's web site, through their Dispute Center, for the incorrect aliases. There was no way to request the addition of the missing information ( phone numbers, etc. ) through the Dispute Center. When I marked the incorrect aliases in the Dispute Center, it advised that these could not be disputed electronically, but that I would have to call a phone number XXXX XXXX XXXX XXXX, and discuss these alias issues with an agent on the phone. I attempted several times on XX/XX/2021 to use this phone number to initiate the alias disputes, and I would have mentioned the missing information to the agent as well. However, it is completely impossible to reach a live agent, using the phone number provided by Experian, to discuss or dispute these incorrect aliases with someone. The extremely limited menu choice and stubborn voice prompt system makes it entirely impossible to reach any human agent. This is absolutely infuriating. Instead of Experian making it easy to clean up ones Credit Report, like they are supposed to have done per US law, they have made it as difficult as possible, or completely impossible.

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 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
The credit card is from the bank BBVA. 
Fraud resolution number is XXXX and the second one is XXXX. 

Ive spent hours with them on the phone trying to resolve the fraud issue I've repeatedly been told its been solved and the next day i get a call from them asking for payment again and again day after day 52 days Account passed due. The amounts are XXXX XXXX plus the late fees issued by them and interest charges. They are horrible to attend the phone and Ive been hanged up by them serval times as well. Please help i dont know how else to approach this issue.. they are going to destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
according my case # XXXX I requested forbearance : I am having a financial hardship due to COVID-19. I Requested a FHA COVID-19 Forbearance for my loan payments. 

Company says forbearance starts XX/XX/2021 til XX/XX/2021. My mortgage payment was not met for XX/XX/2021 due to covid-19 hardship. This forbearance did not include XX/XX/2021. 

I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : //www.hud.gov/coronavirus/homeowners # : ~ : text=For % 20more % 20help % 2C % 20contact % 20a % 20HUD-approved % 20housing % 20counseling, can % 20temporarily % 20stop % 20making % 20payments % 20without % 20any % 20penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Sometime between XX/XX/2019 and XX/XX/2019 I got a credit limit of XXXX at the dentist place it came to XXXX and when I left on a computer at the front desk it asked if I was going to make payments or pay it off in 6 months I choose payment I was making payments and it was not going down now it is up to XXXX this is totally messed up I was making payments just like that computer asked me and it was not even changing I want this fixed I am not a millionaire I live off ssi and sad XXXX dollars a month that is it what you guys are doing is not right fix what someone XXXX up on their end not 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 2021-06-15 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: FL

Complaint narrative:
I sent Equifax my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal put an hold on my account and money and telling me I can't use PayPal anymore. I have not been able to get help from them for months. They put an 180 day hold on my account after transactions was reported on XX/XX/XXXX. I've resolved the situation by sending the transaction back but that didn't fix the issue. I tried to call PayPal towards the end of XXXX to resolve the situation and they said that the earliest they can allow me to withdraw the money was XX/XX/XXXX and told me to give them a call back on that day. I called on XX/XX/XXXX and they told me to wait 72 hours before withdrawing the money out. I waited 3 days and tried to withdraw the money on XX/XX/XXXX and it didn't work so I called back and explained and they told me there was an new limitation added to my account and that there was no way that I can withdraw the money and that they believe that I was given false information and they also told me they didn't know when I will be able to withdraw the money. I don't understand my they but a limitation on my account. 
My email that is linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NC

Complaint narrative:
I sent XXXX, XXXX, and Transunion a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. XXXX, Transunion, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-06-15 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: NC

Complaint narrative:
I sent Equifax, XXXX, and XXXX  a dispute letter certified mail on XX/XX/2021. I checked the tracking and the letters were received XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today is XX/XX/2021 and I have yet to be notified of the status of my dispute. I disputed XXXX XXXX  ACCT # XXXX and XXXX XXXX ACCT # XXXX and XXXX XXXX ACCT # XXXX. Equifax, XXXX, and XXXX  have violated the law by not complying to the FCRA which requires these accounts to be removed immediately from my consumer report. Per FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Reinvestigations of Disputed Information Reinvestigation Required If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation