vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent in request with supporting documents to have a fraud alert removed 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 non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

Complaint narrative:
I sent in request with supporting documents to have a fraud alert removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 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 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I signed up for the Bank of America XXXX XXXX XXXX card ( upgrade ) in XX/XX/XXXX and was told that I have 90 days to spend {$1000.00} to get a {$200.00} cash rewards. However, I have not received the {$200.00} despite spending over {$1000.00} during the first 90 days. 

The reward period is supposed to be XX/XX/XXXX to XX/XX/XXXX but Bank of America 's computer system insists that it ended on XX/XX/XXXX instead ( 78 days ). 

The multiple Bank of America agents I talked to on the phone confirmed that I have spent over {$1000.00} by XX/XX/XXXX [ see attachments ], but under {$1000.00} by XX/XX/XXXX ( the incorrect end date ). They agreed that the date range is incorrect and I should receive the {$200.00}. 

However, the reports that they filed for me resulted in two exact same letters from Bank of America [ see attachment ], stating that the period is from XX/XX/XXXX to XX/XX/XXXX so I am not qualified for the {$200.00} XXXX  XXXX. 

With a fear in my mind that these things would happen, I actually called on XX/XX/XXXX and the agent confirmed with me that I have spent over {$1000.00} and will be receiving the bonus.

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 monetary relief
Consumer complaint received 2022-07-11 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: WA

Complaint narrative:
I have been submitting multiple written complaints about & to Experian regarding the fraudulent information being reported on my file. The last one being sent to Experian on XX/XX/2022 with complete attachments of my personal information including the Police Report. This Complaint was submitted through the CFPB to inform Experian that I am a victim of identity theft. And the accounts listed below to DO NOT belong to me. I had no idea how they were opened, I did not benefit from them being opened nor do I have any knowledge who opened, how they were opened or any additional knowledge about these accounts. I do believe it was a family member & I did report it to the authorities & am submitting a report from the local police depot where the theft took place. I need the following accounts removed/blocked from my file. I have contacted ALL data furnishers to inform them of the issue as well & they all agreed to block/remove them from my credit. I'm growing tired of Experian 's lack of FCRA laws. I feel they have violated 605 ( b ) not to mentioned 616 & 617 by willfully noncompliance. Please see they are held to the highest legal standard. Please removing the following accounts from my report. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX ... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
XXXX XXXX XXXXXXXX Account number XXXX .... 
DIVISION OF CHILD SUPPORTXXXX  Account XXXX XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 

I'm attaching all the necessary information pertaining to the theft/incident along with identity theft reports, my photo ID & address information.

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 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

JPMCB CARD XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a Capital One credit card since XX/XX/2013, and recently received a notice from XXXX, a settlement agent, supposedly notifying me that I am a member of the class in the Capital One Customer Data Security case. That notice is attached. 

The notice was sent to my address, but with a celebrity 's name, the former XXXX player XXXX XXXX ( XXXX XXXX XXXX  ), who played for the XXXX XXXX XXXX XXXX XXXX, instead of my name. 

I have lived at this address for many years, and it is the only address associated with my Capital One account. My name is the only name that has ever been on my Capital One account. I have no connection to XXXX XXXX in any way, shape or form, and am not even an XXXX fan. 

I have contacted XXXX twice by phone at the number provided ( XXXX ) to resolve this discrepancy, and it has refused to assist. Its representatives will only say it sent notices to names and addresses provided by another party. I have requested contact information for that party so I can investigate and correct what appears to be a data entry error, identity theft or fraud, and XXXX has refused to provide that information. It has no information as to how or why a retired XXXX star is shown as living at my address. 

I have also contacted Capital One itself, with the same results. Capital One will not confirm whether or not I am a member of the class, and it can not /will not explain how XXXX XXXX XXXX connected to me. 

I have been the victim of numerous other data breaches as well as a computer hack from overseas, and I take the security of my personal and financial information very seriously. Consequently it is extremely important to me to get to the bottom of this matter. 

If I am a member of the class in this lawsuit, I certainly want what I am entitled to under the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have written several letters to Midland credit Management explaining that I could have been a victim of Identity theft and I do not owe then anything. I have asked for a contract bearing my wet signature and havent gotten anything from them with my signature. I do not owe this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for a checking account with CITI bank two weeks ago and was approved. I scheduled to have a deposit deposited into my new account the following Wednesday. I tried signing on to my mobile app and was restricted. I called and they said it was for a security alert and to wait for a letter in the mail to give them the reference number that was in the letter. I waited a week for the letter to come and was finally able to give them the number. They said the block would be taken off within XXXX hrs but it never was. I got my debit card the same day I got the letter and was able to use it for a few hours before a block was put on that as well. Since then I have called at least 10 times and they have asked me for my moms maiden name and the first school I went to and the number associated with my account and after providing them with that info they proceed to tell me that Im wrong that my moms maiden name isnt what it actually is and then they disconnect the call. They dont explain where the error is and or how to fix it. They just tell me that they are discontinuing the phone call and hang up. The closest branch is over XXXX minutes away so they are essentially holding my funds hostage in regards to what the problem is and or how to correct it.

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 2022-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sally Mae put my loan out of forbearance and wants an increased monthly payment of XXXX XXXX  month. Will not lower monthly payments or work with me since I have a cosigner. Calls 3 times a day for debt collection and has found my family phones numbers and is now calling them several times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and XXXX says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report EXETER FIN reported this account but the information is completely inaccurate. I have already sent letters to XXXX about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide 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 2022-07-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XX/XX/2022 I tried to get my reports using the www.annualcreditreport.com. 
The companies in question refused to provide 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 2022-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I sent to the XXXX XXXX XXXX Equifax letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to Equifax via letters on several different occasions. In these letters I sent to Equifax I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address is on my Drivers License and this will have to suffice because I have no bills or mail at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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 have disputed XXXX XXXX  XXXX  with Equifax and they replied saying the account was verified. Who did Equifax verify with? because I have messages from XXXX XXXX XXXX  through the XXXX  AND CFPB stating that the account is closed in their office. Equifax is not furnish 100 % accurate information and its making me upset that they continue to break the law! ATTACHED ARE SUPPORTING DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: NY

Complaint narrative:
I have sent disputes to the credit bureaus every 30 days XX/XX/2022 XX/XX/2022 XX/XX/2022, all the way until now ( XX/XX/2022 ) - and the same errors are continuously reporting without any resolution or a response from the bureaus! This is obsurd. there are too many errors to count. There is a bankruptcy on my report that I have proven the courts do not respond to and i sent it to the credit bureaus and the bankruptcy is incomplete with no date settled on equifax. Equifax keeps reporting the same account with positive payments and it's closed and shows it's a satisfied collection. there are XXXX XXXX XXXX  accoutns with the same error! they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: WI

Complaint narrative:
I entered my information through Discover 's SOFT approval online tool. They pulled a hard copy of my credit report. 

Text to Discover : To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XXXX. My understanding is that this was a SOFT INQUIRY based on direct mail, per all advertising. I did not authorize a hard inquiry. 
Because I did not apply for credit with Discover Financial Services, I am asking that you remove this inquiry from all three of my credit profiles. 
If you disagree with this assessment, I am requesting an investigation into Discover Financial Service to determine who authorized it fraudulently. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you can not prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/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 2022-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
ABILITY RECOVERY SERVICE Balance {$560.00} ABILITY RECOVERY SERVICE {$630.00} Multiple attempts have been giving to Ability recovery in regard to verifying a debt. No formal nor approved given to show that I legally open this account at schools. I reached out multiple times to dispute the matter with the credit bureaus and also with the collection agency no response has been given to me within timely matter and objects has been verified with no given proof.

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 2022-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this account is invalid and it is a violation of my rights as a consumer the fair credit reporting act establish that any and every account that is reported on a credit report have to be a 100 % accurate and verifiable in this account there is 2 different dates of last activity Transunion has XX/XX/XXXX and XXXX has XX/XX/XXXX XXXX is the company that reported the account they might have re-aged the account or the credit bureaus have the wrong information anyway this account is completely inaccurate. Please remove this account 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 non-monetary relief