vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 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: GA

Complaint narrative:
I have been dealing with Equifax for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at Equifax Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

Equifax negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but Equifax refuses to remove accounts. 

Equifax has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. Equifax is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX XXXX accounts from my credit report, but Equifax refuses to follow the law. This is why Equifax is constantly getting sued because they are refusing to obey and follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
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 Sep 01, 2019 and the subsequent response received on Sep 30, 2019 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. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: TX

Complaint narrative:
I have not received any confirmation on how you have verified the alleged fraudulent Inquiries and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

Fraudulent Inquiry 1 : XXXX Fraudulent Inquiry Date XXXX : XXXX XXXX, XXXX Fraudulent Inquiry 2 : XXXX XXXX., XXXX XXXX Fraudulent Inquiry Date XXXX : XX/XX/XXXX Fraudulent Inquiry 3 : XXXX , XXXX. 
Fraudulent Inquiry Date 3 : XXXX XXXX, XXXX Fraudulent Inquiry 4 : XXXX Fraudulent Inquiry Date 4 : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
XX/XX/19 Suppose maximum loan I QUALIFIED for ... per Loanme pulling my credit report : 1. {$10000.00} ... Terms = 79 % interest ... 84 month installment payments at {$660.00} per month ... {$2000.00} origination fee. 

2. {$7500.00} ... Terms = 79 % ... 84 month installment payments ... at {$490.00} per month ... {$2000.00} origination fee. 


XXXX. {$5000.00} ... Terms = 135 % ... 84 month installment payments ... at {$420.00} per month ... {$75.00} origination fee. 

Loan agent XXXX XXXX straight out bamboozled, flatout lied, misrepresented, and old school BAIT/SWITCHED, in addition to making me jump through a hoop like a DOG, having to provide all pages of my utility bill. When at inception I was told all I needed was to have my credit successfully ran, and to provide California DL, and my SS card for the successful sale from what I was originally purchasing. 

Which was going to be the {$5000.00} loan with the above terms. In the end of supposedly being fully approved he comes to me with the ( attached ) deal of {$3100.00} ... 135 % ... for 47 month installments ... at {$350.00}! Straight institutional racism at it's finest, when a person of XXXX is down on his fortunes, and in need!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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 {$22000.00}, {$4400.00}, {$9000.00}, {$0.00}, {$0.00}. 
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. 
1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 







3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -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 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX, repeatedly blocks my credit card without any reason. Always pay my bills on time never been late. XXXX doesnt apply my scheduled payments in a regular manner. Puts my payments on hold for no reason. XXXX apply XXXX pressure on the customer and unnecessary stress by applying these tactics. This is not a normal bank behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, a debt collector, has called my place of employment and has improperly disclosed their attempts to collect debt to my coworkers. Evidence of their calls were listed in the office phones call logs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 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:
1. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Signed up for the American Express Platinum card back on XX/XX/XXXX where it offered XXXX Membership points after spending {$5000.00} in 3 months. I would have to spend {$5000.00} by XX/XX/XXXX. 

I called on XX/XX/XXXX to confirm if I got the promotion and rep mentioned I did and that I am on my way to getting the promotion. 

I called again on XX/XX/XXXX to confirm how much I have left to spend to reach the minimum spending and to verify that I am still on the promotion. After further digging, the rep mentioned that I am not part of any promotions at the moment and that I will not be receiving any signup bonus. I've spent a total of an hour on the phone to figure out what happened and was told to contact Membership Rewards for further investigation on what happened. Unfortunately, the department was closed for the day. 

I called the Membership Rewards contact on XX/XX/XXXX and was helped by a XXXX XXXX. He mentioned that I will not receiving the Membership Points but he said he will file a dispute with me to upper management. XXXX called me few days later for a follow up and mentioned the decision stands and because I have had this card prior. I asked XXXX to further investigate because I did have not signed up for this card ever. He investigated and found that I indeed did not sign up for this card, but told me unfortunately it's a decision Amex has already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I have been dealing with XXXX for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at XXXX Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

XXXX negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but XXXX refuses to remove accounts. 

XXXX has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. XXXX is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX  XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX  XXXX accounts from my credit report, but XXXX refuses to follow the law. This is why XXXX is constantly getting sued because they are refusing to obey and follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am requesting for Discover Bank to remove and delete fraudulent accounts from my XXXX, XXXX, and XXXX credit report immediately due to fraud as well as these fraudulent accounts from its system. I have sent Discover Bank Id Theft report as well as police report stating that these accounts are fraudulent. 

Discover Bank has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: WI

Complaint narrative:
XX/XX/XXXX, WestLake Portfolio MGM Date Opened, account {$12000.00} this company put this on my credit report I never had any loan through them I recently had a car loan under another company which was closed out and wipe off my credit because I co signed dont have any knowledge of this company. I contacted the credit bureau and did a dispute XX/XX/XXXX and the same day they just updated the information they didnt do a full investigation to see if this what debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-03 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:
1. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
On XX/XX/2019 I requested a loan from SpeedyCash Rapid Cash, LLC in the amount of {$680.00}. 

There was either the option to either pick up payment in store or the funds would be debited to the card that was on file, since I didnt make it to the store by the time given I called the ( XXXX ) number attached on the email to confirm the funds being transferred into my account, in which the rep did relay I will see the payment via direct deposit by the next morning. 

XX/XX/2019 I wake up at XXXX check my account and to my surprise I didnt see a deposit transaction, I thought that it maybe to early and took the representatives word I had spoken to the day before to heart and went about my business. 

At XXXX that same day I checked my account and still no payment, I called the number provided and spoke with a rep and I was told to wait three days before calling back in because in order for the funds to bounce back ( from wherever they were since payment wasnt recieved by me ) and then I could request the payment again. 

In all I have been going back and fourth with this company providing any proof I can to verify I didnt receive payment for a loan I am to this day being held accountable for. 

I have e-mails on my end making numerous attempts to verify any information and at the end of the day for the company to tell me Im responsible for the loan ( even though I didnt receive payment ) because they cant trace where the payment went so their acting as if I did receive funds. 

To me, its absurd that this company is perfectly fine with putting someone in a further financial strain and to be okay with {$680.00} dollars just disappearing ... Nobody knows where it went but I have to pay for it.. 




On the banking end, I online bank with XXXX. Ive also contacted this company in order to figure out where the funds went because when a ACH is initiated the my name and social security number is encrypted in order to verify the correct personal has received payment. 

I have gotten NO WHERE with this company regarding the matter and none of the representatives speak English well enough nor located within the states to understand the currency platform. 

Im incredibly frustrated and really just want this resolved in a fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC
State: CA

Complaint narrative:
I keep getting calls from XXXX XXXX of Credit Collection Bureau, repeatedly calling up to 3+ in a row daily. I have received a letter in mail from XXXX on XX/XX/19 with a copy of old invoice that clearly states {$0.00} balance owed to XXXX XXXX XXXX in XXXX XXXX, CA. The balance was paid several months ago directly to XXXX XXXX XXXX. 

It should never have been given to any collections agency. Even a monkey could tell that the invoice they mailed reads {$0.00} balance. It is verifiable with a bank statement and directly can be confirmed with XXXX XXXX XXXX. The medical facility was paid in allocated time allowed before any debtor is notified. 

XXXX XXXX of Credit Collection Bureau is inflicting harassment with malicious intent. I have answered a call without speaking and she starts talking to me as if she knows me personally. Neglecting to state who she is or reason for calling. Then ends the call by saying I will trying again tomorrow, good bye. 

I am XXXX and feel this is violating not only FDCPA, but also my rights under ADA.  Providing no form of accessible communication to inform either company of the issue. Other then a phone number to call or to answer the annoying repeated phone calls. I can not speak clearly or for long on phones without pain because I have XXXX XXXX. The business, Credit Collection Bureau, and XXXX XXXX personally, is strongly in violation of FDCPA and ADA. 

In consideration of the several months time span between paying directly to XXXX XXXX XXXX the remaining balance on account and receiving letter from XXXX XXXX of Credit Collection Bureau. I am now suspicious that it is a scam to collect money from myself, potentially others that do not actually have a debt owed to any business. In the attempt to fraudulently collect funds already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: MS

Complaint narrative:
Tried to pay account the website would not let me pay my loan when logging in the rep said I had a day and deadline to pay it on the day of the deadline it after logging it the website would not allow me to make my final payment therefore therefore causing me to default on my loan I also tried calling the office and was unable to get a rep back to accept payment rise makes it difficult to get assistance to get anyone on the phone to pay and locks up their website on the date the payment is due causing the consumer to pay late fees and terminating account due to their system error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was very sick in XXXX. I missed my payments from XX/XX/XXXX - XX/XX/XXXX. I would like these to be deleted from my credit history. I spoke with XXXX XXXX and they said they can make an exception because I have a good credit history besides this time of my life. I was unable to pay because of my sickness. I was in the XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE FARM BANK, FSB
State: GA

Complaint narrative:
I recently reviewed my XXXX  credit report and I was totally shocked to find State Farm Bank has reported a fraudulent account on my credit report. I am requesting for State Farm Bank to delete and remove this account immediately from its system as well as my XXXX credit report or legal actions will be taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently reviewed my XXXX credit report and I was totally shocked to find Capital One Bank is still reporting these fraudulent accounts on my credit report. I am requesting for Capital One Bank to send XXXX  a request immediately to remove these fraudulent accounts. I have attached a copy of letters I received from XXXX XXXX who handled my fraud case. He stated that all three major credit reporting agencies need to remove these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief