vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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: OH

Complaint narrative:
I was denied a loan do to inaccurate information on my credit report that I have disputed year agoXX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.

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 2020-12-07 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX # XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No.XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: LEXISNEXIS
State: OH

Complaint narrative:
I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No. XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
My mortgage was transfer from XXXX to SN Servicing on or around XXXX XXXX i am currently in a bankrucpty Chapter XXXX and have been payng montly payments every month. In XXXX I have received statements stating I owe of {$14000.00}. I have contacted SN Servings many of times in reference to this matter. See time- line below and what was discuss : XX/XX/XXXX, XXXX Receive a Post-Petition statement showing a balance around XXXX. 
I called spoke to Representative in reference to post petition she said my loan was just transfer over and because of COVID it would take some time to receive a correct statement. Also, someone from the bankruptcy department will return my call. 

XX/XX/XXXX, XXXX I contacted SN, I spoke with informed Rep. I called on XX/XX/XXXX and no one never returned my called. I was transferred to bankruptcy XXXX. XXXX XXXX left a detailed message in reference to this matter. 

XX/XX/XXXX, XXXX Received a call from XXXX XXXX XXXX I informed her I made every payment to XXXXXX/XX/XXXX and I can prove every payment was made. She said it was not necessary to prove my payments at that time that she was going to do a reconciliation of my account and get back to me two weeks. 



XXXX XXXX I called SN spoke with XXXX XXXX informing her I spoke with XX/XX/XXXX in reference to the reconciliation. She did see anything in computer and again XXXX is my representative and she will get back to me. 

On XX/XX/XXXX, I received an Affidavit of Default for the month of XXXX, XXXX, and XX/XX/XXXX. Below are the dates and the amount of payments made to Sn Servicing and was debit from my bank account ; XX/XX/XXXX SN SERVICING DEBIT XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00} XX/XX/XXXX BILL PAY SN Servicing Corporation MOBILE XXXX ON XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I originally submitted a complaint with CFPB regarding LexisNexis listing the wrong case number in their database for my Chapter XXXX Bankruptcy. This information was being reported incorrectly to the XXXX major bureau XXXXXX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. I also requested a security freeze placed on my file with instructions for them to not disclose information to the bureaus which they didnt honor. 

I received the results of their investigation on XX/XX/2020 in which LexisNexis stated they verified case number XXXX as being correct through XX/XX/XXXX. After this i went direct to that database and search in their system under that case number XXXX, and through my due diligence that number return multiple case files not matching my CH. XXXX BK. Only after typing in the correct case number as supplied on my court documents sent to me by the courts and the attorney was able to pull the right file. 

I advise LexisNexis of this in the last investigation that the case number XXXX isnt the correct sequence to pull my case in public record, yet they refuse to due the proper due diligence correctly. The reason why this is important to show the accurate case number to search is because under the case number XXXX which LexisNexis says is correct in that order ( which it isnt ) will pull multiple other file cases that can potentially pull their negative information onto my records. That can cause devastating affects to my file and hinder me from being able to secure credit, financing and potentially residency. I have included documents to show proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have had resent issues with BBVA charging me extended overdraft fees. Im being charged {$23.00} a week. Despite unauthorized charges they refuse to dispute. The refuse to address how my debit card has got skimmed twice and how a new debit card I had replaced somehow for compromised before I was even able to use it. I was not charged the extended overdraft fees prior this is a recent occurrence. Im being charged overdraft fees for .99. Charges. Even when I have replaced my card some of the new charges have still processed on my debit card. I also had my savings recently closed after being told that they would freeze it avoids any further unauthorized ACH payments. I was told I could transfer or deposit money because the account was frozen. But I was charged extended overdraft charges weeks after it was frozen and right before they closed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I testedXX/XX/XXXX At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately XX/XX/XXXX email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in XX/XX/XXXX reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to XX/XX/XXXX I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect 4021 of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I received my credit report and it showed an account for COMENITY/XX/XX/XXXX I did not open or use this account. I did not live at the address that this account was opened at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received a letter from Macy 's ( I have an American Express credit card with them ) dated XX/XX/2020 notifying me that I could make privacy choices in three areas to limit the sharing of my information. I called the number they provided. There is an automated menu that they say will " prompt you through your choice ( s ) '' A chart showed that I could limit three types of sharing. 

I found that the automated menu only offered me one of the three kinds of sharing to limit. Once I chose that, I was offered other menus for other kinds of actions, but no more limit sharing. I hung up, called the number again. This time the automated voice told me I had already limited one particular type of sharing, and did I want to limit a second type of sharing. I pressed the number for that, and again, I was not offered any other choices that would lead me to the third kind of sharing. 

I hung up and called a third time -- was not given any choices at all, and so I opted for a live operator. He said he would be able to change my third type of sharing, then told me that I had already opted out of the three types. 

Ideally, I'd prefer this be an " opt in '' method, so the consumer doesn't have to opt out. 
But if that can not be, then I feel that the way this " opt out '' phone menu is designed is deceptive to the consumer, who may go through the first step and think they have opted out of all three types of sharing. There is no reason a consumer should have to call three times to accomplish this, in my opinion.

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 2020-12-07 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XX/XX/XXXX data breach and may have fell into the hands of the wrong person.

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 2020-12-07 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: AL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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:
Hello, Upon reviewing my Experian credit report I noticed numerous hard inquiries that I did not make, which looks to be a case of potential identity theft. According to the Fair Credit Reporting Act, can the following inquiries please be disputed and/or removed? I've reached out to the respective companies which were unhelpful in removing the inquiries. Furthermore, I've opened an identify theft case with the IRS/federal government. 
- XX/XX/ XX/XX/XXXX- XX/XX/ XX/XX/XXXX - XX/XX/ XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXXXX/XX/XXXXI noticed these unauthorized inquiries after applying for a credit card with XXXX on XXXX and being declined due to too many recent inquiries. ( Which was valid. ) Thank you, 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 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had my credit card stolen, the capital one closed my account and they are trying to change me all the money spent. I did XXXX of payment and it never was deducted in my credit card amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX a notice/XX/XX/XXXX was sent to stated company upon proof of claim/validation not verification, was sent to office of the president/risk management in addressing the ceo /cfo and its representatives. In where they were requested to provide me with competent evidence that i had a legal obligation to pay them. 
On XX/XX/2020. A Notive of Fault and Opportunity to Cure and Contest Acceptance was sent to stated company, no response. 
On XX/XX/XXXX. A notice of default and res judicata/ Amended /revised & AFFIDAVIT OR CERTIFICATE OF NON RESPONSE AND FAILURE TO CONTEST Acceptance and Agreement was sent to stated company along with a list of stated violations pursuant to the Fair Debt Collection Practices Act. No response was sent to stated address in Intital notice on XXXX XXXX. 
Since the beginning until present day, the stated company has not followed the Fdcpa laws and continously to mark negative items to my report. Ruining my reputation and causing defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Slovin & Council Co., L.P.A.
State: OH

Complaint narrative:
I have recently discover that someone has been using my ID and personal financial information to open up accounts for lines of credit and business transactions with companies that I do no recognize. I have several lawsuits that I was unaware of that have dubious origins and various jurisdictions. I was able to locate the XXXX XXXX items that are not mines and are fraudulent actives starting on or around XXXX to present. I have file a FTC ID The Affidavit as well as a CFPB compliant against these companies. The follow accounts and case are fraudulent/unknown/unverified : RANDY T. SLOVIN SLOVIN & ASSOCIATES/Case No. XXXXXX/XX/XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: LA

Complaint narrative:
I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..

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 2020-12-07 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: AL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-07 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: AL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have fell into the hands of the wrong person.

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 2020-12-07 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: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It is now approaching 60 days later, a and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been almost 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XX/XX/XXXX I wrote a letter to NC Financial about information on my XX/XX/XXXX credit report that is inaccurate. I told them that I have never had an account with them and the debt is wrong. I also asked them for proof that the said account was mine showing some type of contractual obligation that I have with them. I received nothing from the company nor was there an acknowledgement of the dispute on my credit report in 30 days. This is a clear violation of the Fair Debt Collection Practices Act Section 807-8 and a violation of the Fair Credit Reporting Act Section 623-a-3. I just wanted the item removed from credit report immediately.

Company response to consumer: Closed with explanation