vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

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 2020-12-26 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX/ with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$0.00} -This is not my account.

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 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Ive been a victim to fraud. Ive been trying to open an account but they keep telling me I have to pay back the amount & Im not really sure what to do at this point.

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 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bliksum, LLC
State: CA

Complaint narrative:
I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX un the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TX

Complaint narrative:
I do not recognize the account numbers for what they are. Therefore, I am demanding that they be removed from my consumer credit report. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant of FCRA 623 and FCRA 605B, I am demanding that the following items be deleted from my consumer credit report XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: WA

Complaint narrative:
Experian employees have been deleting my account information after XXXX XXXX sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my Experian account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time XXXX XXXX payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from Experian employees stating Experian deletes account info. 

Experian Dispute Department of Experian Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX- 1 hour 32 minutes 39 seconds XX/XX/2020 " XXXX XXXX did not report for the month of XX/XX/2020 '' " XXXX XXXX reported to Experian before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department Experian agent women named XXXX XX/XX/2020 at XXXX XXXX : " XXXX XXXX reported no information for the month of XX/XX/2020. '' " Your account information has changed since the Experian agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of Experian and XXXX XXXX, it is fact that XXXX  XXXX has sent false multiple debts to Experian for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( XXXX XXXX ) has to report accurate information to reflect on the credit report. 

XXXX XXXX is in violation of FCRA regulations as shown by the evidence pdfs provided. 

Experian employees are deleting information sent by the creditor XXXX XXXX and have erased information from my account. 
Experian also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.

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 2020-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
bank of the west has been reporting I owe them XXXX on my credit for months. Ive made multiple attempts to the collection agency and BOTW as well but I never get any response. They are ruining my credit and I've offered payment for delete over the amount and now the exact amount and still I've received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TX

Complaint narrative:
On XXXX XXXX  # XXXX, I received an alert from XXXX  ( Experian ), Experian has updated a collection my credit report today without allowing me to dispute and I don't have direct energy and just move back to this place on XX/XX/XXXX. Per XXXX XXXX, states amount is {$520.00}. and last pay for in XXXX and stated XXXX states it will be on my credit report until XXXX with again violates the law but, I have a right to view all claims but, XXXX XXXX and XXXX ( Experian ) has violated my rights. I don't have bad credit but, XXXX  just put this on my credit without giving me any rights to dispute this with them or XXXX XXXXy sending me notices with FDCPA give my rights with both parties have violated..This also stops me from getting Student Loans and it violates again on report due to the fact of me having good credit WHICH XXXX XXXX and Experian just stopped me from continuing with violates the laws on report not only, put something on file without allowing me the RIGHTS TO DISPUTE>.I DONT HAVE ENERGY WITH YOU. I can also get my current Electric company to validate that i have no claims against my Electric history..

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 2020-12-26 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: WA

Complaint narrative:
XXXX  employees have been deleting my account information after Capitol One sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my XXXX  account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time capitol one payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from XXXX  employees stating XXXX  deletes account info. 

XXXX  Dispute Department of XXXX  Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX 1 hour 32 minutes 39 seconds XX/XX/2020 " Capitol One did not report for the month of XX/XX/2020 '' " Capitol One reported to XXXX  before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department XXXX  agent women named XXXX XX/XX/2020 at XXXX XXXX : " Capital One reported no information for the month of XX/XX/2020. '' " Your account information has changed since the XXXX  agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of XXXX and Capital One, it is fact that Capital one has sent false multiple debts to XXXX  for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( Capital one ) has to report accurate information to reflect on the credit report. 

Capital One is in violation of FCRA regulations as shown by the evidence pdfs provided. 

XXXX  employees are deleting information sent by the creditor Capital One and have erased information from my account. 
XXXX also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

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 2020-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX I was reviewing my credit information and I found an unauthorized ( XXXX XXXX ) account was opened in a FRAUDULENT way, please remove it 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 2020-12-26 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}, {$6100.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.

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 2020-12-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had an HELOC from BOA that I owed XXXX back in 2014. After 180 days of missed payments, BOA charged it off. I recently made agreement with BOA to settle the debt. The settlement agreement that was paid wasXXXX in XXXX of this year. I sent it to the attorney who was working to collect on the debt. Looking at my credit report, the debt is still reflecting on my record as an unpaid charge-off. I disputed this item with the Credit Bureaus about the tradelines on my credit report was outdated and erroneous. In response to the dispute, the credit bureaus communicated with BOA about receiving payment from me and BOA expressed that a payment was not made to them from 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 non-monetary relief
Consumer complaint received 2020-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
STILL can not obtain my FREE ANNUAL CREDIT REPORT from Equifax. I have mailed them the documents they asked for in XXXX, XXXX, and XXXX of 2020. They are receiving my documents. Now they have closed off my online access to view a soft copy of my report on XXXX See attached. These guys are straight ridiculous and have denied me access to my credit report for TWO YEARS NOW. It hasn't been fixed, they cut and paste that I need to mail them the documents I've sent MULTIPLE TIMES JUST THIS YEAR. SEND ME MY REPORT THAT I'M ENTITLED TO VIEW UNDER MY FCRA RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: TX

Complaint narrative:
I do not recognize the account numbers for what they are. Therefore, I am demanding that they be removed from my consumer credit report. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX XXXX Pursuant of FCRA 623 and FCRA 605B, I am demanding that the following items be deleted from my consumer credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx 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 explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
NATIONWIDE RECOVERY SV will not respond to my mail but somehow continues to verify 11 Collection accounts with XXXX  and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with NATIONWIDE RECOVERY SV. I have disputed directly with them and XXXX  and XXXX. XXXX  and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$1100.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$290.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 NATIONWIDE RECOVERY SV Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: WA

Complaint narrative:
6 moths ago Im opening accounts whit chime and this guys closing my account whit not explaining anything and dont return my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX will not respond to my mail but somehow continues to verify 11 Collection accounts with Experian and XXXX. I have never received any letter directly to my address about this debt in which I would then have 30 days to dispute the debt directly with XXXX XXXX XXXX. I have disputed directly with them and Experian and XXXX. Experian and XXXX  continues to verify the debt but they wont even explain to me how or why it is verified. 

all collection information is listed below XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$290.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  {$380.00} Balance updated XX/XX/2020 XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  {$780.00} Balance updated XX/XX/2020 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$380.00} Balance updated XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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