vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may concern, I have been in contact with Experian and transferred from department to department to resolve this. They have informed me they can't fix it on their side even though they control it. The following is what happened. 

I applied for a refinance on my mortgage. My mortgage company came back with my credit score. They informed me what adversely affects my credit score. The values were XXXX, XXXX, XXXX, XXXX. They informed me that a couple of those values mean " To many accounts with balances ''. Another means that I'm using to much credit. 

I tried to dispute this will Experian because # 1. I am only using 5 % or less of my available credit. 
# 2. I have 1 out of 9 or 10 credit cards that have a balance. 

So there is no way i can have to many accounts with balances. Also there is no way I'm using too much credit when I am only using 5 % of my available credit. I have 2 car loans, 1 of which is almost paid off. The other car loan is around XXXX. Then I have 1 credit card that carries a balance. What they reported to my mortgage company is false. I paid Experian {$4.00} on their website for my mortgage score and it shows exactly what my mortgage company pulled. I understand mortgage scores can be a little different BUT THEY SHOULD NOT HAVE FALSE INFORMATION. 

When speaking with Experian reps, I received the " run-around ''. They kept switching me from dept to dept. They informed me there is no way to internally investigate. They informed me there is no way to dispute that information. Then i was informed that maybe my mortgage company pulled a " XXXX : score. I informed them mortgage companies do not pull XXXX scores. They do not use those for mortgage loans. My loan disclosure clearly state that experian was used. Do to Experian 's lack of updating my reports I will suffer from higher interest rate over the life of my loan. 

The day I was on the phone with Multiple Experian Reps was 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 2021-05-14 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, I attempted to make an ATM transaction for {$200.00}. from The XXXX XXXX in XXXX Florida. The transaction was DECLINE as you can see from attached data sheets provided by BOA. However, the Hotel charged {$500.00} to my ATM card. I did not authorize this transaction nor does this transaction have any supporting data showing that money was dispensed from the machine. I disputed this ATM transaction with BOA on XX/XX/2021. However, I received notice from BOA indicating that I authorized the transaction. However, the documents that BOA sent does not show authorization nor confirmation that the ATM machine dispensed {$500.00}. Therefore, I filed a fraudulent charge with BOA saying that I did not authorize the transaction as the records indicate there is no authorization and no cash dispensed. However, BOA refuse to refund my money. Can you assist with getting my money refunded from BOA, who charged this amount to my checking amount. I am attaching supporting documentation, showing my initial transaction for {$200.00}. declined. The {$500.00}. amount has NO supporting transaction data which indicates that this amount is charged without my authorization. Any assistance that you can provide in resolving this matter is helpful. Thank you!

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 2021-05-14 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: Certegy Holdings, LLC
State: GA

Complaint narrative:
Was denied the ability to cash a check based on information provided by Certegy. Requested my file and there is nothing in the file, so not sure why the transaction was denied and how to resolve this 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 2021-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I sent a letter via Certified Mail to Regional Acceptance Corporation regarding the account currently showing on my credit report. A copy of the letter is enclosed, stating my request for, among other things, the following : - Provide me copies of any papers that show I agreed to pay what you say I owe - Prove the Statute of Limitations has not expired on this account - Show me that Regional Acceptance is licensed to collected in my state On XX/XX/XXXX, Regional Acceptance sent me a letter advising they could not find an account for me with the information I provided. 

On XX/XX/XXXX, I again sent Regional Acceptance Corporation a letter requesting the same information I requested in my XX/XX/XXXX letter. 

On XX/XX/XXXX, Regional Acceptance sent me a letter, in which the only information Regional Acceptance provided is a payment history on the account. There is no paperwork showing I agree to pay any amount they say I owe. There is nothing showing the Statute of Limitations is still in effect ( In fact, the statute of Limitations in the State of Indiana has expired. It is 6 years. According to the documents sent by Regional Acceptance, this debt is 9 years old. ). There is nothing showing Regional Acceptance is authorized to collect in the state of Indiana. Furthermore, the address ( highlighted, XXXX XXXX XXXX XXXX XXXX is a different address than my address XXXX XXXX XXXX XXXX XXXX. 

As of the date of this complaint, the unverified item listed below remains on my XXXX  credit report in violation of Federal Law. XXXXXXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that Regional Acceptance verified that this item is being reported correctly. 

Yet, even after multiple requests, Neither XXXX nor Regional Acceptance has provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I sent all documentation to XXXX via Certified Mail on XX/XX/XXXX, and demanded the account be removed from my credit report. Today, the account remains. Regional Acceptance and XXXX are in violation of the FCRA and the FDCPA, and thus the account must removed from my report, or I am entitled to sue for {$1000.00} under the FCRA. 

Today, I tried to contact XXXX regarding this account. I could not get through to speak to a human.

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 2021-05-14 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I called Freedom mortgage today and i was hung up on when i asked why i was being told the mini miranda rights when my account has always been current the rep could not answer put me on hold just to terminate the call. I called again and when i was told that the phone call was going to be recorded i told them that i did not agree to record the phone call and they were quick to tell me that they would terminate the call. i asked for a manager and explained that i was within my rights to not have the phone call recorded. My mortgage was recently transferred over to this company and i do not feel that they are following your protocols or the state protocols. I hate this company already. Please audit them to ensure that they are following and respecting their clients rights.

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 2021-05-14 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: DISCOVER BANK
State: IL

Complaint narrative:
I applied for credit card through the telephone. I own 2 homes. The Discover rep completed the application using the incorrect address. Security flagged account for address discrepancy ( that was good ) I called and was told the problem would be resolved and I would be receiving a new form to fill out to fix the discrepancy 2 or 3 weeks l received communication that the card was closed ( I never could activate it so I do not understand how it was closed if it wasn't activated ) they reported to credit agency. I do not think this should effect my credit. Discover did not address my complaint beyond " maybe someone will call, maybe not "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: FL

Complaint narrative:
I was checking my credit report in XXXX and I saw that there is an account that is not mine. 
original creditor XXXX XXXX. 
balance {$4700.00} I did not open this account I was opened without my authorization I have never applied for credit with XXXX neither in the past nor in the present I want them to open an investigation I was a victim of identity theft I never authorized to give credit in my name you can contact me at any time for if you have any questions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has been furnishing my consumer report without my consent and for purposes not obtainable by law. Experian has violated 15 USC 1681b by furnishing my consumer report with no permissible purpose to do. They have cause me to not obtain credit because I was not notified of the allege reporting of unauthorized use. I have attached the accounts that have been listed for deletion. I have sent several complaints this past few months to Experian questioning accounts besides bridge crest which is a recent account not authorized for reporting and permissible purpose. They wrote back stating that the accounts were validated when in reality the only person that can validate an account is the original creditor of that account. Experian knows that the reporting creditors are not original creditors pursuant to 15 USC 1592g but failed to protect and delete the information per not able to validate. I will be suing for damages this has cause due to me not being able to obtain credit. And, the mental stress behind it. I called Experian a few months back and spoke to a rep who stated that the computer is the one that receives the information if an account was validated so they wouldn't know. 

I have attached my most recent dispute and demand that these account be removed within 5 days due to the continued lies and deceit of reporting incorrect information on my consumer report. I do not authorized these accounts pursuant to 15 USC 1681b 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXXXXXX 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 2021-05-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to BARCLAYS BANK DELAWARE, yet BARCLAYS BANK DELAWARE is not removing this fraudulent account. BARCLAYS BANK DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BARCLAYS BANK DELAWARE Bank has refused to do this. The following is the fraudulent account : BARCLAYS BANK DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX I, XXXX Current Creditor Account Number : XXXX Total Balance Due : {$3000.00} THIS NOTICE HAS BEEN THE 2nd TIME AND THE DEBT WAS PAID TO XXXX  IN XXXX. THIS IS NOT ON MY CREDIT AS A DEBT OWED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After numerous requests, Equifax fails to take an account off that IS NOT a good standing account off my credit file. The account is 8 years 9 months old. On top of this, the information they are reporting is incorrect. They have the first day of delinquency as XX/XX/XXXX but on their own payment history report, it states that XX/XX/XXXX it was 60 days late so how could my first date of delinquency be XX/XX/XXXX even in their own report? I contend my first date of delinquency was in XXXX. They are inaccurately reporting this account. I have requested they investigate and remove but all I get is the generic response ' Account verified as accurate '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was pre-Approved by both the SBA and Lender for a second round of PPP money designated for Gig workers, independent contractors, Sole-Proprietors, and the self-employed, Funds in the amount of {$20000.00} was deposited in my account at Capitol One, of which I also had a business account for a different company at the time of the above mentioned deposit. Upon entering the bank to make a withdrawal, I presented my identification to the teller and was told I could not withdraw funds as the bank had placed my account under investigation for fraud, due to the type of deposit ( confused ) the funds were verified, yet Capital One still withheld my ability to utilize my account and access the funds ... They requested documentation, which I provided, and was given a number to call. No one was able to definitively provide a reasonable explanation as to why my funds were being withheld. Fast forward, and I reached out to them on XX/XX/2021 only to be told my account ( both ) was closed and that they would contact me later!! 
Unfortunately I am aware of this very situation happening to several other individuals regarding PPP deposits with Capital One! I am the Sole-Proprietor of my private business and should not be forced into this dreadful situation, especially when funding was verified!!! PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AR

Complaint narrative:
Recieved 3 calls from this collector during working hours.. 

Date : XX/XX/2021 Times : XXXX XXXX XXXX XXXX I answered the call at XXXX, not knowing who the caller was. During the call I informed her I was at work and could not talk. She argued with me even after I told her to call me tomorrow on my off day. She threatened to place this on my credit and also continued to attempt to get my financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. 
XXXX XXXX XXXX XXXX {$3100.00}

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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: NC

Complaint narrative:
Repeat calls asking for XXXX XXXX. I am XXXX XXXX and the number they are calling is my cell phone number XXXX. They have called 4 or more times in an attemp to resolve debt. I do not have an account with them. My phone has identified them as Capital Management, but I have received other calls unidentified. I have asked them to stop calling but they continue. 
I received a call on XX/XX/XXXX, XXXX, XXXX, XXXX and 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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
never been to doctor ever very healthy not sure why they send me bill there making fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: CA

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX  DELAWARE, yet XXXX XXXX  DELAWARE is not removing this fraudulent account. XXXX XXXX  DELAWARE has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX  DELAWARE Bank has refused to do this. The following is the fraudulent account : XXXX XXXX  DELAWARE XXXX which was open at an address which I have never lived at and it has nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
On XX/XX/2021, I sent correspondence highlighting the below misleading and inaccurate information. As of today over 60 days later and still no response. After finding out that my information was impacted by the Equifax data breach I feel more than ever my information was compromised. I also learned according to FDCPA Section 807 it is illegal to report inaccurate information. I feel like I'm on a hamster wheel going in circles with this issue

Company response to consumer: Closed with explanation