vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 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: MO

Complaint narrative:
THIS IS INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I received a promotional offer flyer while on an XXXX XXXX flight during XXXX of 2022. This flyer pertained to the Barclay 's AAdvantage Aviator Red World Elite Mastercard with a unique promotional code inside that was advertised for a {$0.00} first year annual fee. 

I signed up for Barclay 's AAdvantage credit card using this promotional code but was still charged a {$99.00} annual fee. When I brought this up to the company I was told they would not be able to honor my promotional terms because the code was not correctly used. The language below is a quote from their support team. 

" We understand your concern and apologize. The offer will vary slight according to each application channel. Cardholder have to applying using the correct code or they will not receive the correct offer. We apologize for the confusion, and hope that we've been able to clarify the situation. 

We are unable to change the original offer that you were approved for due to Federal regulations that state we can not change the terms of our customer accounts within the first 12 months of account opening '' However, I can confirm that I did use the promotional code and still have kept my promotional flyer to this day.

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 monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I do not own this account not sure where it came please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in filing disputes for all inaccuracies on my credit report with Experian.

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 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC
State: OR

Complaint narrative:
I found out that Johnson Mark LLC sued me for a debt that I have not made a payment on since XX/XX/2016. That payment was through a 3rd party credit management firm, I have had no direct contact with any of my original creditors from this time period since well before that date. Johnson Mark LLC had a judgement entered against me in court and proceeded to garnish my bank account. I do not know exactly who the original creditor was yet, but there is no question that it is among those included in the credit management program that I discontinued in XXXX of 2016. The notices for this suit were not received by me so I was unable to respond and I do not know when it was entered. This debt is past the 6 year limit as of XXXX or earlier, and it is illegal for XXXX XXXX to pursue the judgement in court if they did so after that date. I do not have a copy of the judgment or my bank notice regarding the matter because I closed the account and lost all of the digital correspondence because I have paperless statements. Bank XXXX XXXX could not reproduce the letter or give me any details beyond Johnson Mark LLC 's phone number. I have not contacted them because I received advise NOT to reach out to them directly from a credit repair specialist. 

Thank you! 

Johnson Mark LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

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 2022-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
{$420.00} XXXX XXXX. I do not owe this debt never heard of it or never seen it until credit report. AWA COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Bliksum, LLC
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  INC XXXX Open Date XX/XX/2014 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX an scammer hacked my acct and made an online deposit for XXXX and contacted my son to return the money. He saw the deposit and informed the person he had the wrong person. The person began to send him threats via text and informed him to return the money via XXXX. As he did because he was scared and did not want any parts of the money. Once he informed me, I attempted to cancel the payments and was unsuccessful. He was not aware that this was an online deposit as this is his 1st bank account. I contacted customer service immediately and they informed me there was nothing they can do about the XXXX payments and go to the branch. I went to the branch and met with XXXX XXXX who is a Lead Associate of Operations. She assisted us with changing his user id and password and also verified that his account was accessed from a different time zone in the morning. We opened claims numbers : XXXX and XXXX for the fraudulent check and XXXX payments. I was informed to call the bank on XX/XX/XXXX to verify what type of deposit was made. I reviewed my statement and saw that this was a fake check that was deposited and was advised to allow XXXX business days for resolution. I made follow up calls XX/XX/XXXX and was informed that the check claim was cleared, and it was fraud but, the XXXX payment is still pending and to call back. I called on XX/XX/XXXX and spoke to an agent who informed me that the XXXX payment was approved on XX/XX/XXXX and to allow 10 days for the deposit to be refunded back into to account. That never happened! XX/XX/XXXX I spoke to a supervisor who informed me that I was provided incorrect information and there would be no refund for my original balance and the account is overdrawn {$580.00} due to the XXXX payments. I requested for the call to be pulled and to be honored. I have never received a follow up call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Error, inaccurate information. Im not an authorized user, and neither do I have a XXXX XXXXXXXX account, my name is inaccurate my name is not XXXX XXXX, or 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 non-monetary relief
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance 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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2022, I received a email and letter in the mail from Bank of America stating that the account that was opened in my name was fraudulent and I do not owe or have any responsibilities for this account and debt, and that it would be removed from XXXX immediately, I tried contacting early warning check company which is a bank consumer reporting company, and they stated that this account is still showing up on my report after I was told from Bank of America in the letter that it will be removed in 15 days, it has been almost 2 months and its still reporting and Im being violated and lied to about my 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 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I got one promotion from Discover/XXXX  that if I make my discover credit card as default card for payments -I will get {$10.00} as cash back. Pre conditions - I need to make one such purchase from XXXX using discover credit card. 
Unfortunately neither discover credit card nor XXXX is helping me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NV

Complaint narrative:
On the XXXX of XXXX a check from XXXX XXXX XXXX XXXX was sent to key bank. The check was cashed and cleared by the XXXX of XXXX. By the XXXX the money still was not in my account. I contacted key and was told it could take 7-10 days. I waited seven days and still nothing I called again and was told they could not find it I contacted corporate to escalate things. I was told approximately one week later they found it. Still not in my account as of XX/XX/XXXX. No one will cix this please get someone involved the amount is XXXX and I have lost 1 days work at XXXX an hour

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! 

They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!

They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2022-10-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230000.00}

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 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
DEBT RECOVERY SOLUTIONS Have no knowledge of XXXX XXXX XXXX  the company and seen it was a loan place that I have never been to. I have no knowledge of that loan or account. {$310.00}. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance 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 non-monetary relief
Consumer complaint received 2022-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I opened a new bank account with Current Bank and everything seemed to be good and dandy. I linked one of my other bank accounts with XXXX XXXX XXXX XXXX to the newly opened Current Bank account and transferred a sum of XXXX XXXX No issues with this transfer, everything seemed okay. I wanted to transfer a full XXXX $ on the first transfer but my bank has a XXXX $ per day limit so I waited until the next day and transferred another XXXX XXXX I immediately was notified within the Current Bank application that my account was under security review and that I could not make any transactions. Head scratcher, confused, went to my emails and saw an email with the request from Current Bank for me to submit my private confidential metadata with them by submitting a face scan with my identification in the photo as well. As well as a bill from the last 60 days verifying the address. I begrudgingly agreed and sent them this information. Four days later I get another amazing update from Current Bank that they have suspended my account and that I will no longer be able to utilize their bank for banking needs and that all decisions are final. They left out one gigantic, extremely important, essentially the only thing that matters piece of information though. They never told me where they were sending my XXXX $ and it seems as if theyre trying to steal my money. There is no way to get ahold of anyone at Current Bank via telephone. They simply have no customer service it is a disaster. But if you do manage to get a response via email, which I did, from a gentleman named XXXX from Current Bank, the message almost seems robotic and completely outrageous. I informed them that I am extremely worried about my funds that they have in their possession and that it would seem wise to return my funds to the place that they came from ( XXXX XXXX XXXX XXXX ). XXXX told me no, they will not be sending my money back to the originating source. They in fact did not give me any more information than that and I am so confused and feel like I just got robbed. I cant get ahold of anyone at Current Bank and they dont seem interested to do a XXXX thing about my money. I contacted XXXX XXXX XXXX XXXX to inform them of what had happened and they are at a loss for words as well. They are completely befuddled and confused as to current banks strange actions and lack of transparency when it comes to where my money exactly is. I believe they legally are required to send this money back to the originating source if they are the ones who closed my account for no XXXX reason at all.

Company response to consumer: Closed with explanation