vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
During the last week, three prepaid Visa debit cards were compromised, where the source of the vulnerability was the company 's own website www.giftcardmall.com/mygift. A user would type in the card information online, only to get an error message. Unbeknownst to the unsuspecting customer, the card 's information is being leaked to a hacker, and the remaining balance is being siphoned off in the matter of seconds ( usually via fraudulent XXXX transaction ). A second attempt to login is usually successful, and it shows the card balance accurately albeit at XXXX, as someone had just debited a transaction exactly equal to the remaining balance. This has happened from multiple IP addresses and different browsers. The only reliable way to check a balance on a card is to call via the telephone automated line. It is virtually impossible to register a card online, because that would mean someone will drain it, as was the case with card # XXXX, from which the entire {$200.00} balance was stolen even prior to first use. In contracting with Blackhawk Network XXXX  Inc. the Bank has repeatedly failed to manage third party risk. Blackhawk Network XXXX  Inc. has been very difficult and defiant in resolving these claims. They would ask for multiple and onerous pieces of information, whereas the fraud obviously happened on their end. They also will put a 10-day deadline on many of these cases, and demand multiple pieces of information including receipts, copies of utility bills, copies of the debit cards in question, and I was just fortunate enough to have all of these. But what if I had thrown them away?!? 

I still have two claims unresolved, and more and more information is being asked of me even though I registered both cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09 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: MO

Complaint narrative:
My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: MO

Complaint narrative:
My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On XX/XX/2021 I closed an Internet Account with XXXX. They sent me a final statement in XX/XX/2021. In XX/XX/2021 a company called SW credit systems inc went on my credit reports. I didnt receive any notice at all from SW credit systems inc in the mail or by phone. I didnt even know anything about collection yet within a couple of weeks they went on my credit reports. I spoke with XXXX many times and they did have Southwest credit removed from my XXXX  credit report however it is still listed on XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Equifax multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America just decides that the law does not apply to them. They have violated many state and federal laws and I have a list of violations noted that I will discuss with an attorney if this account is not removed. They are reporting different dates across different bureaus, they have removed payment information and the account looks to be re-aged. I have submitted well over 10 total disputes to Bank of America, XXXX XXXX, and XXXX  over about 18 months time. They say the information is " verified '' but that is impossible. If it was " verified '' they would see they are not reporting accurate or complete information, they would see they have deleted and re-aged payment history, and they would be able to provide me the information I ask for, but they have not. 

They have different account closed dates reporting for different bureaus, which means this information is not being reported accurately and complete as the law states. They are reporting different last payment history dates for different bureaus. They have completely taken away 2013 dates to re-age this account. They have holes in when they report so that they can re-age this account. 

All of these things are illegal and violations that warrant damages.

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 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that its removed.

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 2021-08-09 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: MD

Complaint narrative:
? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

RISE TransUnion XXXX XXXX Account # : XXXX I U?

Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U?

Account Status : Derogatory I U? 
Monthly Payment : I U? 
Date Opened : I U? 
Balance : I U? 
No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2021-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Student loans that are current are showing up twice, once as current and as late. Both have the same account numbers, the credit reporting company continues to report 11 loans as late monthly even when they are current. I have tried many times to contact them and they tell me they will fix it and they never do. This has been going on for over 6 months. I have also contacted the department of education and they say this should not be happening to contact Transunion, 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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: AZ

Complaint narrative:
on XX/XX/2021 i ran my credit report and notice a company name THE BEST SERVICE COMPANY XXXX XXXX had reported a collection account on my credit. 
Upon investigating it states this is from XXXX XXXX XXXX XXXX. 

My XXXX XXXX XXXX XXXX account was hacked and XXXX XXXX XXXX XXXX refused to investigate. After encountering NSF fees i called the branch to figure my options. The branch credited the account the negative amount and closed it due to the fraudulent activities. 
Now i am being billed for someone else fraudulent activities and the bank has refused to investigate

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 2021-08-09 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: V and H Portfolio
State: MD

Complaint narrative:
There is still inaccurate data reporting on this account although I have disputed it before. I know for a fact that you guys didn't do an investigation because the inaccuracies are exactly the same as they have always been. Why are you refusing to investigate this account that is reporting inaccurately and keeping me from obtaining a mortgage? 

? = XXXX XXXX is QUESTIONABLE in its reporting I = XXXX XXXX is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = XXXX XXXX is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = XXXX XXXX is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported!

VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX I XXXX XXXX? 
Account Type : I U? 
Account Type - Detail : I U?

Bureau Code : I U?

Account Status : I U?

Monthly Payment : - M I U?

Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : - M I U?

High Credit : I U?

Credit Limit : - M I U?

Past Due : - M I U?

Payment Status : I U?

Last Reported : I U?

Comments : disputed I U?

account - reported by subscriber.

Date Last Active : I U?

Date of Last Payment : M I U? 
Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I filed several disputes online via XXXX  with TransWorld about medical collections that have been negatively affecting my credit reports. I filed the disputes and both times they were acknowledged as affected by natural disaster. I then received notice via XXXX  that some disputes and also the collection being reported were dropped. Some of the smaller charges. But via the mail I receive two validation letters for two/three collections. These letters include medical records of the procedures I had gotten whilst at the hospitals. For this reason I fully believe my HIPAA rights were violated and demand the collections be removed from my credit reports in all credit bureaus and the amount due to any and all collections be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine

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 2021-08-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion XXXX Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX  To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, 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 2021-08-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. 

Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. 

Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. 

On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. 

Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! 

This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! 


I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. 

I will be taking legal action against Transunion if this erroneous item is not removed from my report. 


Sincerely, 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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am extremely upset with this whole experience. I signed a contract for solar panels to be put on my home through XXXX XXXX, and they did not live up to the contract. Sometime later I was informed that XXXX bought out XXXX XXXX and my contract went along with it. XXXX has been no help, I can not even get in touch with them. I can not find a number for customer service or anything. They simply have a digital post card type deal that you can submit through their website so they can get back in touch with me, but it has been months and I still have not heard anything back. I can not verify any dates or specifics because I want to request a copy of my contract but I can not get in touch with them! I am livid. XXXX has placed a lien on my home because of the panels and I can not even get in contact with them to plead my case. I pray that this helps some because I have not received any help at all from XXXX XXXX or XXXX. XXXX 's website sucks. For being a technological juggernaut, their website is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX continues to try and collect a debt that is not owed by me. The debt in question was resolved through a personal injury lawsuit in XXXX. At the time of settlement, XXXX XXXX provided a Release of Lien in this matter which I have attached hereto. On two separate occasions, they have referred this matter to a third party debt collection agency. First, to XXXX XXXX and most recently to ARstrat LLC. Both myself and my attorney have tried to resolve this matter.

Attached is a detailed description provided by my attorney to XXXX XXXX as to why this debt is not owed, as well as the documentation of the release of lien provided by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
on XX/XX/2021 i checked my credit report I noticed i had a collection account from MIDLAND FUNDING LLC i called midland funding and when i spoke with someone i was told the debt was XXXX XXXX. 
XXXX is my mother, and i do not assume responsibility for any of her debt. 
XXXX XXXX has filed bankrupcy. 

The individual i talked too was XXXX XXXX from XXXX. 

I did not sign any contracts for this debt.

Company response to consumer: Closed with non-monetary relief