vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: TX

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: TX

Complaint narrative:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX, XXXX XXXX XXXX XXXX Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is National Credit Adjusters. They said a debt was sold to them by a company called XXXX XXXX XXXX. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call NCA again. So I called NCA again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company NCA are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.

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 2021-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XXXX, 2020, I purchased items from a Hair company called XXXX  via cash app. I sent {$250.00} to a hair supplier thinking they were an actual legit hair company. But they were falsely posing as another company and scamming customers. As soon as I sent the money, they blocked me on XXXX  ( where our conversation took place ). Their cash app tag is $ XXXX, I immediately reported them to cash but received no response both times. so I had no choice but to dispute the charge with my bank XXXX. After calling them XXXX  honored me a credit for my claim, but on XX/XX/XXXX, ruled the transaction as authorized. so they took back their initial {$250.00} credit. I have screenshots of the conversion with the hair supplier, with me providing my shipping info for a tracking number. Both Cashapp and XXXX  have not done their part in identifying the scammer, despite the evidence. Cashapp has all the info but still allows these women to scam customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is XXXX XXXX XXXX. They said a debt was sold to them by a company called SunUp Financial LLC. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call XXXX again. So I called XXXX again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company XXXX are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Around XX/XX/XXXX I spoke to a woman in the drive thru about upgrading my checking acct : being told I was eligible and it should take a day or two to process ; I called the next week and spoke to a woman named XXXX, who said she sees the request and to call and check on it in a few days. I never intended to follow up further, being it's the banks responsibility to follow up with me. I then called customer service on XX/XX/21 after no changes or call ; being told the process is quick and shouldn't have took this long ; I then requested to be transfered to the branch, only to get failed results again.

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 2021-01-05 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: CA

Complaint narrative:
XX/XX/XXXX, I submitted an Identity Theft Affidavit to Experian, because someone had opened up and account with XXXX XXXX XXXX XXXX XXXX Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from Experian nor XXXX regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i applied for a credit card after they sent me an offer letter i applied with the information on the letter which was my information and submitted it online i received notification i was approved and would receive a credit card they sent me the credit card but they sent it with my wifes first name on the credit card with my middle initial and our shared last name i looked nd it was listed under my credit report with my social security number i called them and explained this error and they didnt seem to fix it or have any idea how or why this happened

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 2021-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  XXXX XXXX account appearing again on my experian credit file after being removed correctly many times this account is not negative and should just be closedwithout any adverse reporting i have contacted XXXX  XXXX XXXX numerous times and they removed it from my other reports but experian keeps putting it bak on negative

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 2021-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of america account appearing again on my XXXX  credit file after being removed correctly many times this account is not negative and should just be closedwithout any adverse reporting i have contacted bank of america numerous times and they removed it from my other reports but XXXX  keeps putting it bak on negative

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 2021-01-05 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:
It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I am being denied credit due to reason being that I am currently behind on payments to a Creditor. I have no current negative accounts on my credit report. I searched and I have notice that SECURITY FINANCE is reporting Acct # XXXX as currently >Account Past Due 60 days<. This account was paid in full in 2018 after some late pay because of Natural disaster Hurricane Harvey. This account need to be removed for incorrect reporting. This account has reported incorrectly for some time and has continuously been the cause of credit denial when my credit report otherwise is clear and Paid As Agreed. I have attached a screenshot of my XXXX  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 2021-01-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I submitted a dispute to Trans Union regarding 'hard ' inquiries that showed up on my Trans Union credit report. Trans Union has spent the last 5 months refusing to investigate the dispute. Despite having a legal duty to investigate the dispute, Trans Union has continued to refuse to investigate my disputes. They have sent me boilerplate letters instructing me that if I want an investigation completed, I need to take my grievance to the companies who pulled the reports. 

On XX/XX/XXXX, following months of stonewalling by Trans Unions, I submitted a complaint to your office. See Complaint No. XXXX. On XX/XX/XXXX, Trans Union, for the first time, acknowledged that Trans Union had a duty to investigate my dispute. They also informed this office that " Consumer Relations will enter [ my ] dispute into [ Trans Unions ] system and review all information and any additional documentation you provide to determine next steps ''. 

On XX/XX/XXXX, I received a letter in the mail from Trans Union indicating that they would not continue processing my dispute. They cited identity issues but they have been provided the exact identity documentation that they are requesting I provide. 

Since I have given Trans Union what documentation they claim to need, I can only construe this as a constructive refusal to investigate my dispute.

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 2021-01-05 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
XX/XX/XXXX, I submitted an Identity Theft Affidavit to XXXX, because someone had opened up and account with ACIMA CREDIT XXXX XXXX ( Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from XXXX  nor Acima regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: CA

Complaint narrative:
It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.

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