vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Calvary Portfolio Services, LLC in New York has repeatedly reported false claims of {$10000.00} ( Account Number XXXX ) debt that I do not owe or known anything about on my Credit Profile, impeding on my ability to secure any measurable credit and have refused to substantiate how we established a mutually, and agreeable financial relationship with for which they are demanding a payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-08-17 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Due to being sick with XXXX XXXX I was unable to make XX/XX/2021 credit card payment to ADS/COMENITY/XXXX, resulting in 30 day late being added to my credit report. Once I was better and able to make payment, XX/XX/2021 the account was paid in full. 

I disputed the 30 day late and explained the XXXX XXXX situation, however, ADS/COMENITY/XXXX, refused to remove it. I have never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called all 3 of my credit reports XXXX, XXXX and Transunion. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX  TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.

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 2021-08-17 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: MN

Complaint narrative:
I am practicing my right to challenge questionable information that I have found on my personal credit report. 
These unauthorized/fraud inquiries have been the reason for my credit denial and hardship. 
I found I was not the one who authorized this inquiry, I'm asking that that be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this.

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 2021-08-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called all 3 of my credit reports XXXX, Equifax, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NJ

Complaint narrative:
I called all 3 of my credit reports Experian, XXXX, and XXXX. I never lived at XXXX XXXX XXXX XXXX whatever the full address did not appear XXXX XXXX TX XXXX. The second address is XXXX XXXX XXXX NJ XXXX address was not complete. The third address is XXXX XXXX XXXX, Tx XXXX. I was a victim of credit fraud the person had access to my email which I no longer use.

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 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received several e-mails from Capital One ( specifically on XX/XX/2021, XX/XX/2021, and XX/XX/2021 ), inviting me to " see if I was pre-approved '' for one of their credit cards. Notably, Capital One offered that doing the above would have " no impact on my credit scorXXXX. '' On XX/XX/2021, I accepted the above invitation, entered some information, and was informed that I was, indeed, " pre-approved '' for one of their credit cards, and was invited to apply. 

Moments later ( XX/XX/2021 ), I did, indeed apply for a Capital One credit card, and was immediately told that my application was denied. Additionally, I now have at least one additional " pull '' on my credit history, which I would have very much preferred not to have had, particularly if I knew that I'd be denied for the card I was invited to apply for.

Capital One 's practices ( at least with me ) appear to be deceptive, fraudulent, and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had been opened a claim on the date of the transfer XXXX XX/XX/2021 XXXX with my bank and on a weekly basis contact status of my claim and my bank sent an email to chase bank to initiate the reversed transaction but nothing heard from XXXX bank almost 95 days passed. 

XXXX XXXX XXXX conversation evidence from recipient is attached below Thanks a lot

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 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Since I finance the car with Ally finance They have not actually reported my payments the dates are incorrect and it still showing that the payment last that I paid on it was in XXXX were in almost XXXX now and they have not updated it its every month that I go through this with them Ive called multiple times to them and explain the problem they do not fix it I disputed it with the three credit bureaus and they still have not fixed 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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account was deleted from account and now its back on there. This is prohibiting my ability to apply for a Mortgage. XX/XX/21

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 2021-08-17 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: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This dispute is for two Bankruptcies on my report that have been disputed multiple times in the past few months. The bureaus have never sent me verification of these items also after disputing the date of last activity is never updated and this is an FCRA violation please remove these items. Thanks

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 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX County Office of Child Support Enforcement and The State Dispermemr Unit sent funds to an account that was closed with Bank of America on XXXX XXXX. I have been working with a supervisor at XXXX to locate the funds and have been unsuccessful. It has been almost 4 months now and they have yet to resolve this error and issue the funds to me. The case was closed for over 6yrs and BofA has no open accounts for me and no one can find where the funds went.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I submitted a complaint to CFPB, XXXX, wherein I addressed the issue of The Work Number failing to send a full-disclosure of my report after months of requests, and how The Work Number continually requests proof of identification and proof of address, even though that information is provided with each and every request. They not only fail to send a copy of my full-disclosure report, but now, when I complain to CFPB about it, they fail to response to the CFPB complaint with any meaningful response. Their response to the CFPB complaint does not address their failure to send the full-disclosure report, but rather is some irrelevant, ambiguous, vague, meaningless response to maybe someone's complaint, but not to mine. This jibbing is ongoing, unlawful. These companies hold an enormous amount of power over consumers ; These delays, lack of responses, stalls are unacceptable. The law demands their timely, relevant response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I dont know what wrong with the edd debit card, I tried to get into my account and its not even letting me in at all I called boa no better response I got up to XXXX grands in that card

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 2021-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened both a CitiBank Savings and Checking account funding them with a combined amount of {$15000.00} to qualify for a {$300.00} bonus. Service fee to be waived as long as I kept {$10000.00} in my combined accounts. For the past 5 1/2 months I made no deposits nor withdrawals from these accounts. Yet, Citibank took an unauthorized service fee from me in XXXX, which I called about, and they returned the money without explaining why it was taken given I maintained my balance above the amount which would waive fees. However, being concerned that this unauthorized fee grab may have caused me not to be eligible for the promotion anymore ( ie. My balances technically dipped below the {$15000.00} ), I called Citibank and they confirmed that I was qualified and that a {$300.00} credit would appear within my qualified date which was 60 days ( XX/XX/XXXX ) after I opened the accounts on XX/XX/XXXX. When 90 days came and went ( XX/XX/XXXX ), I called Citibank and was told now that the money would appear within the next 30 days AND the amount would be {$250.00}, not {$300.00}. I objected to this and the Citibank rep insisted that I was wrong. After reading other bank customer complaints on these same issues, I feel it is important that CFPB investigate what appears to be a pattern and practice of Bonus Offer fraud by this major bank.

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 2021-08-17 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: CA

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was a majority shareholder in two companies after my Husband died on XX/XX/2017. An individual named XXXX XXXX XXXX was involved along with another group of individuals in diverting revenue and creating a large amount of debt with these companies. XXXX XXXX XXXX was a tax preparer under XXXX XXXX a company that my Late Husband and my father XXXX XXXX XXXX owned. In fact my father became was given the POA after my Husband died. There was several years of tax fraud using PayPal account utilizing my social security number as the individual responsible for paying taxes on the income generated. I have reported all this to law enforcement and have even filed a civil criminal court petition on behave of the two companies affected. However, I have been unable to repair my credit and move forward with my life due to the enormous amount of debt that was unlawfully attached to my Social Security and my Company EIN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Armstrong and Associates, Inc
State: MS

Complaint narrative:
A notice of debt collets was sent to me in late XX/XX/2021 claim there is an attempt to collect a debt. About 1 week laterI received a call and I advised the company to only communicate with the debtor via mail. I sent in a letter for debt validation immediately requesting for what proof this company has that confirms I owe a debt. On XX/XX/XXXX I received a response with detailed medical information that I did not sign a Hipaa release form giving this 3rd party access to such records. The information provided to me is a violation of my hipaa rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was a victim of online theft where a seller promised to sell me some expensive XXXX  cards. After I made the payment, I was immediately blocked. I found out later that day that the individual has done this on multiple occasions where they actively stole money from other XXXX  collectors. I made a police report as soon as I found out this info. I talked to them and have a case number. I have an active case with a detective looking into it. The officer I spoke with told me that with the evidence I have shows without a doubt that this is intent to deprive money from an individual. Of course my claims were denied eve though I showed them all of my evidence. This is an ongoing criminal case and I am waiting for the detective to review my case.

Company response to consumer: Closed with explanation