vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have for a year been trying to have Experian stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that 3 accounts ( XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX Partial Acct # XXXX ... XXXX ) could not possibly be mine. At the time of the opening of these accounts I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that these accounts are inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX and XXXX  have stopped reporting these inaccurate accounts. I have showed Experian proof of this on my last dispute and still concluded that they will not be deleting these accounts even though every other Credit Bureau has stopped reporting them, which further proofs inaccuracy on my credit reports. I have also file a report with the XXXX  last week as they continue to implement unprofessional, childish stall tactics wasting everybodys time.

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 2020-04-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted Experian on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by Experian that I needed to contact the companies directly. 

I informed them that these inquires took place when the freeze was removed from my account, and it was no need for me to apply for XXXX bank card, I already have one with a XXXX limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with anyone from the mortgage company that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, but I did not apply for a card in XXXX, both inquires should be removed. Please review letter that they are willing to remove the XXXX inquire.

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 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i inquired of experian to please let me THE CONSUMER know the methods of their validation as to the reporting of a bankruptcy on my credit report. I have disputed with experian and their results came back to me on XX/XX/XXXX, stating the bankruptcy REMAINS, which means they will continue to report this. They have no right to furnish this information without proper investigation. Although they have responded to my previous complaint, it was a " copy and paste " general response.I have disputed this for so long i deserve a proper response. All data furnishers have NOT released any information Experian, i have also submitted a paper from the court, stating that they did not provide this information, FURTHERMORE, XXXX  and XXXX  have done a PROPER investigation and have deleted this bankruptcy error on XXXX and XX/XX/XXXX ( which i have uploaded documents attached to this complaint ). I demand HOW HOW HOW they have the right to furnish, and their methods, I will also make complaints in other venues, and keep careful records 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 2020-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: CA

Complaint narrative:
I am writing a letter of complaint regarding XXXX and Enhanced Recovery Collections Agency. I did have XXXX service 8 years ago but cancelled it 2 years later because I didn't utilize the TV service. I had no recollection of owing any money to XXXX because I always paid my bills. I had not received any notices or phone calls since I cancelled the service over 5 years ago. Fast forward 5 years, In mid XXXX, 2019, the lender alerted me to a collections notice that appeared suddenly on my credit report. It was from Enhanced Recovery Collections for the amount of {$380.00} for a debt from XXXX. It sank my credit score! I called XXXX immediately. They couldn't retrieve any information because it had been so long since I cancelled their service. I called on two separate occassions and on both calls was told to wait a week for a call back from their administration. I never did receive a call back. Meanwhile, my credit score has been held ransom from an unscrupulous collection agency and I am unable to refinance my mortgage. This is criminal to hijack someone's personal identity and ruin their financial credibility! It is about the principle of the matter and I refuse to pay a debt that I do not owe. I wonder how many other people have been victims of this type of wrongdoing?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: NY

Complaint narrative:
Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
ABILITY RECOVERY SERVICES , LLC I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT XXXX XXXX XXXX  I HAVE CONTACTED THIS COMPANY SEVERAL TIMES ABOUT THIS ACCOUNT, THIS IS NOT MY ACCOUNT, I HAVE BEEN requesting validation, made pursuant to the FAIR DEBT COLLECTION PRACTICES ACT and The FAIR CREDIT REPORTING ACT, along with the corresponding local state law. Please note that I am requesting VALIDATION, I NEVER OPEN OR KNOW ANYONE THAT OPEN THIS ACCOUNT.. I NEVER RECEIVE A REPLY TO THE LETTER I SENT

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 2020-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I previously complained that Bank of America put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, NO TOWN, CA XXXX. That address does not exist. Bank of America also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to Bank of America. 

Today I received a reply from Bank of America via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in NO TOWN, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " NO TOWN, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to BofA and BofA didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that BofA is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to BofA and that some XXXX there actually reads it. I fear, however, that the XXXX at BofA will be a machine, which will just generate another " we have it right '' letter. 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 2020-04-21 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: IL

Complaint narrative:
The credit bureau Experian, XXXX , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. Experian, XXXX, & XXXX has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. Experian, XXXX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

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 2020-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank is crazy has my XXXX account as deceased as if Im dead and Im alive when I call them they refuse to hekl and update my information sold off to a funeral home crazy refuse to help me with covid 19 I need a settlement thjs is hurting my credit badly

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 2020-04-21 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: NC

Complaint narrative:
XXXX Through XXXX my XXXX checking account was hacked into twice and my account was frozen. As a XXXX, I was already having a hard time making credit card payments. All email, and phone correspondents with Capital One indicated that if I made my minimum balance by XX/XX/XXXX, the account would remain open and in good standing. I made those payments, in fact paid it off almost completely. After making the payment Capital One informed me that my account was restricted and going to be closed. I have been defrauded into making a large payment that I couldn't really afford with promises of my account remaining in good standing. I have spent the past 3 days trying to contact them, over 4 hours on the phone just to be told by an over worked, super rude, customer service agent that their was nothing he could do. This company should be held accountable for it's shady business practices, and for taking advantage of the poor. Along with more emails than attached, I have phone calls recorded. I made payments of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX under the assumption that my account would remain in good standing. Capital One customer service, is misleading people with this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureau XXXX, Equifax , & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, Equifax, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the XXXX law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the XXXX law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, Equifax, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. 



I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX  ( women within ), XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX, Georgia XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XXXX card ), XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX ( XX/XX/XXXX ) reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CA

Complaint narrative:
I previously complained that XXXX  XXXX XXXX put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. That address does not exist. XXXX  XXXX XXXX also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to XXXX  XXXX XXXX. 

Today I received a reply from XXXX XXXX XXXX via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in XXXX XXXX, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " XXXX XXXX, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to XXXX and XXXX didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that XXXX is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to XXXX and that some XXXX there actually reads it. I fear, however, that the XXXX at XXXX will be a machine, which will just generate another " we have it right '' letter. 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 2020-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2020, I went to check my credit card statement online, and found out that both of my accounts were closed by the company. I then immediately called customer service and they acknowledged that Citibank 's Executive Response Unit closed the accounts, refused to give me an explanation of why they closed the accounts, and refused to issue me new credit cards. Currently, I have no credit cards and have to resort to borrowing money from family to pay for food and supplies. The only solution they gave me was to write a letter to the president of the company and request that my accounts be re-opened. 

I had a picture of the web page showing the closed accounts but I could not upload it because it exceeded 10 MB

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