vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 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: CT

Complaint narrative:
I filed a dispute with Experian regarding old and inaccurate information that is reported on my credit report. Yet, they continue to leave this information there. My name is XXXX XXXX but they continue to report names such as XXXX XXXX XXXX. XXXX isn't even my middle name, so if they are reporting this information incorrectly there is no telling what other information on my report is being reported incorrectly as well. My current address is XXXX XXXX XXXX. XXXX . XXXX XXXX, CT XXXX, which I provided to them with a current bank statement as proof of address. However, Experian still continues to report outdated and even non-existent addresses, such as XXXX XXXX XXXX XXXX XXXX, CT XXXX. Not only is this address outdated, it also doesn't even exist. So I fail to see how a thorough investigation into my information was done if they're reporting an address that doesn't even exist on my credit report.

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 2021-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION
State: AK

Complaint narrative:
The personal information that I provided to AmeriSave Mortgage Corporation ( AmeriSave ) was disclosed as part of a recent security incident involving the compromise of my personal information leaked during the over 4-month period it took Amerisave to complete my refinance ( Loan XXXX ). 

During the month of XXXX credit was applied for in my name to purchase a XXXX  XXXX from XXXX XXXX  XXXX and from XXXX/XXXX XXXX XXXX XXXX. 
An auto transport and auto insurance policy were both secured with my credentials. You have been the only company to have accessed as well as obtained all of the information to which this individual has access. 

I am writing this email to lodge a formal complaint and to instigate an investigation as to how my credit and credentials were compromised by your corporation. Data breaches are nothing new to Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NJ

Complaint narrative:
I noticed an account on my credit that 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 non-monetary relief
Consumer complaint received 2021-07-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys/DSNB acknowledged receipt of my dispute on XX/XX/2021 but failed to comply with the requirements to provide me with all of the required disclosures within 3 days under 15 U.S. Code 1681d ( a ) before causing an investigative consumer report to be prepared.

It is stated according to 15 U.S. Code 1682d ( a ) that a person may not procure or cause to be prepared an investigative consumer report on any consumer unless it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made. 

The debt collector did not provide me with any required disclosure prior to causing the investigative consumer report to be prepared. 

Attached are my exhibit to support my claim. They respond to my complaint on XX/XX/2021 alleging that an investigation was launched and closed. They also acknowledged receiving my complaint through the Consumer Financial Protection Bureau on XX/XX/2021 meaning, before preparing the report, by law ; they were supposed to provide me with a disclosure pursuant to 15 USC 1681d ( a ) no later than XX/XX/2021 which they did not do. 

This is a violation under the section.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
CITI sent me an statement for a alleged debt. I am CONSUMER pursuant to Title 12 u.s.c 5481 ( 4 ), NATURAL PERSON pursuant to Title 15 USC 1602i, & ORIGINAL CREDITOR Pursuant to Title 15 USC 1602g. Im the Original creditor granting the CITI the right to credit Pursuant to Title 15 u.s.c 1602f ( the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). No comparable cash transactions in this consumer credit transaction. I do not verify or validated the alleged debt pursuant to Title 15 USC 1692g ( c ). CITI VIOLATED Title 15 USC 1692e ( 11 ) communication failed to contain the mini-Miranda warning This is an attempt to collect debt ... communication is from a debt collector CITI is a Debt Collector Under TILA & FDCPA.

CITI VIOLATED Title 15 USC 1692g ( a ) ( 3 ) Must state right to dispute within 30 days CITI VIOLATED Title 15 USC 1692g ( a ) ( 4 ) Must state right to have verification/judgement mailed to CONSUMER CITI VIOLATED Title 15 USC 1692e ( 2 ) Character, amount. Or legal status of the alleged debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Resurgent Capital services agreed to remove a negative account from my credit report, as it was paid it full. The account still remains on my credit report. Now I have a payment plan for a separate account, which I may cancel due to their actions of breaking their end of the deal with the previous account. The previous account had been removed at one point and was added back on recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Usbank consumer credit card. Using the mobile or desktop website to dispute a transaction is impossible. The " dispute transaction '' button offers different prompts and questions that DO let you do certain things like deactivate the card etc. But do not actually let you submit a dispute online or on mobile at any time for any reason. All prompts end with a directive to call the usbank 800 number for help. The mobile website support admit this is the reality and I think it's misleading to advertise a dispute function without offering an actual online dispute process. 

Since calling usbank the message was updated to " coming soon were working on it '' but still does not work as advertised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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:
I noticed an account on my credit that 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 2021-07-31 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:
I noticed an account on my credit that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX account XXXX If AMEX forces my family to pay off XXXX, we are 100 % going to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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:
Experian has been unsuccessful in resolving incorrect reporting information after several disputes. XXXX XXXX account # XXXX was originally included into bankruptcy chapter XXXX on XX/XX/XXXX. Unfortunately, Experian Credit Reporting Agency has failed to report correct information and listed 90 day late entry on XX/XX/XXXX which is inaccurate and false. 

This information is in violation of the fair reporting act and should be immediately corrected by removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I received mail from NATIONAL CREDIT ADJUSTERS saying I owed a alleged debt.. NATIONAL CREDIT ADJUSTERS never sent any information including the right to dispute Pursuant to Title 15 USC 1692g ( a ). NATIONAL CREDIT ADJUSTERS never stated I had to right to have Verification/Judgement Mailed To Consumer Pursuant to Title 15 USC 1692g ( a ) ( 4 ). NATIONAL CREDIT ADJUSTERS never stated I had the Right To Dispute within 30 days Pursuant to Title 15 USC 1692g ( a ) ( 3 ). NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 USC 1692e ( 2 ) Im the ORIGINAL CREDITOR Pursuant to Title 15 USC 1602i CASHNET USA is also in VIOLATION Pursuant to Title 15 USC 1692c ( b ) & Title 15 USC 1681a ( 4 ) Evidence of Violations is included with this complaint ( Exhibt A )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm a veteran so the VA loan on my property interest rate has dropped from XXXX to XXXX so my loan officer is doing the paperwork on the loan. Experian is showing me a score of XXXX. When my loan officer pulled the Experian score he received a score of XXXX. Last month I reported to the following ; Just want needs to be done I'm tired of getting cheated, because of bad reporting. 

Experian has not been reporting on my life for I will be turning XXXX next year and it's exulting just trying to navigate the credit world. About two months ago I used Experian Boost to improve my credit on Experian. My score went up by 30 points to a XXXX. It's only effective Experian FICO Score XXXX ( XXXX ), the other Experian FICO Score XXXX ( XXXX ), Auto Score 8, FICO Auto Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), and Bankcard XXXX ( XXXX ) have not changed. When I applied for XXXX  XXXX of the lower score are used to deni credit again. Experian has systematically to fine was on how not to report correctly on my life. When I called to talk to Experian there was no one to talk to. This company needs to disband and restructure they should not be allowed to practice in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is my 3rd time filing a complaint! I have been dealing with Bank of America EDD debit card account from California, Enterprise Resolution Department. The following is what happened to my account - as told to me my XXXX XXXX, Platform manager for Bank of America. The criminals set up a phone app, which allowed them to access my account and set up my account to automatically transfer money into a bank account that they set up. When the fraud was occurring i made numerous attempts to call Bank of America 's fraud department and anyone in Bank of America edd debit card account in California. Also, I never had a phone app set up and never set up transfers out of my account. XX/XX/XXXX first time criminal took {$5000.00} out of my account, then XX/XX/XXXX {$4400.00}. I shut down my debit card immediately and would never have access to my account after doing this. XX/XX/XXXX credited my account, XX/XX/XXXX criminals stoled the money. I still don't have access to my account XX/XX/XXXX my account was credited I believe, and the criminals immediately had it transferred out. XX/XX/XXXX again credited and immediately stolen. I have continuously contacted the Edd debit card branch. Also, filing letters with Attorney General and Congressman XXXX XXXX and the FBI and the XXXX XXXX police department. Again, I never set up a transfer on my account which I was constantly trying to tell them to remove it. Every time they refunded my account it alerted the criminals on the phone and it would be automatically transferred into the account they set up ( So I was told by XXXX XXXX ). He said he was going to work on having a check cut and sent to me after they closed my account. The only check I received was for XXXX cents. I have explained my self to different representatives from the Resolution department, they all seem to understand, but yet they don't call me back. They have someone else call me back and it is the same response that they have closed my account and it is resolved. Yet I have never been reimbursed the money that was stolen and I paid taxes on this money, since after talking to the IRS, they explained to me I had to still pay taxes and the fact that it was stolen has nothing to do with taxes. So here I am again filing another complaint, I have reached out to try and find a lawyer who is representing consumers who have gone through similar issues with this EDD debit card accounts Department of Bank of America in California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: United Resource Systems, Inc
State: PA

Complaint narrative:
One day this company reported/ showed up on myXXXX and XXXX  credit reports. I have been a recipient of identity theft, so I thought maybe this was another one again. Since the identity theft I watch my reports like a hawk now, so I dont ever have to go through that again. It was 8 months going through the XXXX  to get all that fixed before. So I contacted XXXX XXXX
and XXXX  and informed them of this alleged account appearing on my report that I dont know nor never done business with. Both bureaus lied and said that it was validated by the company. I have sent certified letters after certified letters for 4 1/2 years and they keep coming back with the same lie : verified or validated by the company. I have asked for them to do an investigation which they did not do. When they didnt do, but lied and said they did I asked them for the proof/evidence of their investigation. Which they still have never sent a single price of paper to this day.

After 4 1/2 years the company finally sent a price of paper saying this was for a medical bill. I told the bureaus of this and said this would be a HIPPA violation because I never signed nor authorized any medical information to be released to anyone. The United Resource said they dont have to have a HIPPA release. I contacted the alleged company that the United resource said they are trying to

collect for who said they sent a letter ( billing statement ) which I never received. Then they said they gave this immediately to United Resource to collect. I have lost count how many certified mail validations requests and investigation requests and showing I am not the owner of this alleged, no proof sent account. Each time comes back with the same lies of validated or verified. And XXXX even said they are not going to look into this again and ignore it. From the first time I saw it reported on my report through today no signed proof of ownership has been given to me. And no signed HIPPA release form has been given to me. And no billing statement from the alleged company nor signature has ever been given nor shown!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UHG, LLC
State: TN

Complaint narrative:
I received mail from XXXX XXXX XXXX saying I owed a alleged debt.. XXXX XXXXXXXX XXXX never sent any information including the right to dispute Pursuant to Title 15 USC 1692g ( a ). XXXX XXXXXXXX XXXX never stated I had to right to have Verification/Judgement Mailed To Consumer Pursuant to Title 15 USC 1692g ( a ) ( 4 ). XXXX XXXXXXXX XXXX never stated I had the Right To Dispute within 30 days Pursuant to Title 15 USC 1692g ( a ) ( 3 ). XXXX XXXXXXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. XXXX XXXXXXXX XXXX is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX is in VIOLATION Pursuant to Title 15 USC 1692e ( 2 ) Im the ORIGINAL CREDITOR Pursuant to Title 15 USC 1602i XXXX XXXX is also in VIOLATION Pursuant to Title 15 USC 1692c ( b ) & Title 15 USC 1681a ( 4 ) Evidence of Violations is included with this complaint ( Exhibt A )

Company response to consumer: Closed with explanation