vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX has failed to perform its due diligence and is falsely reporting a Fraudulent Collection account for {$500.00} on my credit profile, supposedly owed to a XXXX XXXX XXXX XXXX XXXX and it's affiliate company named XXXX as reflected on my credit report. I've never been aware of nor made any contract with such a company in the past or present and XXXX has intentionally and willfully compiled this erroneous information on my credit profile, thereby suppressing my scores and hindering my current process of home ownership which I've steadily worked on the past three to four years. 

I've reached out to XXXX in writing and my concern with their action has been negated and there erroneous information on my credit report continues to suppress and hinder my Credit Score which is a breach and totally unfair. XXXX must remove the negative information from my credit report with deliberate speed and update my credit report accordingly. 

Truly! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have sent XXXX certified validation letters to Barclays, XXXX XXXXXXXX XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} Barclays XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX {$4800.00} BarclaysXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX/Barclays- XXXX XXXX XXXX  Account XXXX XXXX {$5800.00} XXXX/Barclays- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.

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 2021-07-03 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: TX

Complaint narrative:
I have sent three certified validation letters to XXXX, XXXX XXXX, Equifax, XXXX  and XXXX  starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX, Equifax XXXX XXXX  Account # XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX XXXX Equifax XXXX Account XXXX XXXX {$5800.00} XXXX XXXX Equifax XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: OVM FINANCIAL, INC
State: VA

Complaint narrative:
In XXXX of XXXX, I contracted with a company to build a house. The builders required that their preferred lender, OVM Financial, is used for the loan. I sent XXXX XXXX at OVM Financial my tax returns for the last two years to get pre-approved for the loan. At some point, OVM sent all of my income information to the real estate agent for the builders, XXXX XXXX with XXXX XXXX XXXX. This was done without my consent or without even asking. XXXX XXXX then forwarded this information, details of how much money I made in the last two years, to the builders of the house. I need to file a complaint due to my personal financial information being passed around without my consent. The email and the attachment with my personal financial information that was sent from OVM Financial to XXXX XXXX are attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 {$5100.00}, {$4000.00}, {$2100.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened new checking and savings accounts with BMO Harris Bank on XX/XX/2021. Over the following weeks I made a series of deposits into the account ( some checks, XXXX and XXXX funds, transfers from my previous bank, etc. ). 

On or around XX/XX/XXXX, I attempted to transfer funds from my BMO Harris checking account, to my BMO Harris savings account, but found I could not execute the transfer. I also found that none of the debits or withdrawals ( e.g. utility and credit card payments ) I would have expected to see over the previous few weeks were reflected in my checking account activity. 

I contacted BMO Harris to inquire as to what the issue might be, whereupon they informed me that " furthered [ XXXX ] verificaton is needed for account access '' and requested that I provide my social security card, driver 's license, and a utility bill to their fraud detection department. I immediately sent the requested documents. 

BMO Harris at no time contacted me, by any means, to notify me that there was any issue with my account, nor is there any indication when accessing my account online that it is frozen. They unilaterally cut me off from my money and could not be troubled to let me know they were doing so ( nor did they indicate what I might do to prevent -- or remediate -- the situation ). If I had not discovered the issue myself, I suspect my funds would have remained frozen indefinitely. 

Meanwhile, I am unable to pay my rent, pay credit cards, or withdraw cash. I am incurring fees for rejected payments. I have no access to my own money. 

I have contacted BMO Harris via secure chat in their banking portal, by phone, and by social media, and repeatedly requested escalation of my case. I have received no assistance -- only standard 'we 're sorry for the inconvenience ' messages and an indication that their fraud team may remove the freeze within 3-5 business days. 

I can not contact their fraud team as their offices are closed over the weekend. BMO Harris ' mismanagement of this issue is unacceptable.

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 2021-07-03 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: NJ

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter 7 Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX, Chapter XXXX Bankruptcy - XX/XX/XXXX ( Reporting on XXXX, EQUIFAX and XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: MO

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: Robert Homfeld Credit Trust
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I ask that the items be deleted to correct my credit report. These creditors have reached out to me through letters even after cease and desist were told. Also if my information is sold to a collection agency without my consent this should not be reporting on my credit report. It has been more than 30 days since these disputes have been filed. I am unable to attain a home or get any credit because of these inaccuracies on my credit report. 
These accounts also were not finance charges. Only finance charges by law should be reflecting on my credit report. 
I would also like to receive damages for being homeless because of lack of credit because the bureaus report inaccurate information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: REGIONS FINANCIAL CORPORATION

Complaint narrative:
My name is XXXX XXXX XXXX. My account number is XXXX. This account was opened as part of the requirement for my XXXX Visa to starting a business in the USA and was opened through XXXX XXXX attorney offices based in XXXX XXXX Florida. However, due to XXXX closures and delays, my XXXX Visa is being delayed. I must immigrate to the XXXX with my husband in order to get my XXXX  interview. To do that, I must be able to access my funds. Because of this reality, I need to freely access and potentially move the funds held in my account with REGIONS bank immediately. REGIONS bank has refused to help me resolve this issue and are holding my funds without my consent as as they said I need to be in the USA, and this is not possible as the XXXX is closed. 

On XXXX XXXX date I spoke to XXXX from XXXX XXXX XXXX Branch where my account was opened who stated he can not assist me as I need to be in the branch. 
Then on XXXX XXXX date, I was told by a XXXX who is the Supervisor from Regions that he was also unable to assist me and that I need a Social Security Number which I do not have but yet REGIONS were happy to assist me with just a Tax ID No. 
Again on XXXX XXXX date, the National Manager stated they could not assist me too as I need to be in the USA. 

This shows the pattern of inconsistencies and unhelpfulness from REGIONS Bank. My personal account has also become inactive as I can not move money because I am not in the States Because of the above, I am filing complaints with REGIONS Bank and XXXX XXXX. The resolution I need is to transfer my funds internationally to the XXXX so that I may book my XXXX appointment with them

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 2021-07-03 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I ask that the items be deleted to correct my credit report. These creditors have reached out to me through letters even after cease and desist were told. Also if my information is sold to a collection agency without my consent this should not be reporting on my credit report. It has been more than 30 days since these disputes have been filed. I am unable to attain a home or get any credit because of these inaccuracies on my credit report. 
These accounts also were not finance charges. Only finance charges by law should be reflecting on my credit report. 
I would also like to receive damages for being homeless because of lack of credit because the bureaus report inaccurate information.

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 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
Medical debt was paid on XX/XX/2021. When payment was remitted to Transworld Systems also known as TSI they agreed to delete the record from my report but later refused after payment was remitted. I filed a complaint with CFPB against TSI on XX/XX/2021. On XX/XX/2021 TSI sent a letter admitting the account was paid and that theyve asked the credit bureaus to delete the account. A representative from XXXX  said the debt was verified as belonging to me on XX/XX/2021 which is after TSI claims to have requested deletion of the record. I was able to ascertain that TSI had in fact not requested my record be deleted but instead transferred the account to XXXX XXXX XXXX XXXX to prevent the record from being deleted. Attached you will find the CFPB complaint response letter and also a screenshot of my credit report from XX/XX/2021 showing the debt now being reported by XXXX XXXX XXXX XXXX under the CR code XXXX. This is another blatant illegal act and a deliberate attempt to continue reporting false information. I have retained legal counsel and will move forward with litigation against all parties complicit in any, and all attempts to continue to report/collect on this fully satisfied account. 

Furthermore XXXX  was furnished a copy of the CFPB complaint response letter. I submitted a dispute online. I spoke with an agent named XXXX who refused to forward the dispute to TSI stating that XXXX  would instead be reviewing information it had received from sources and that the TSI collection would not be removed. I advised him that he should consult with someone from XXXX  legal. After being placed on hold for approximately 10 minutes XXXX informed me that the record would not be removed and legal approved his course of action. They would continue with their dispute process. This is egregious. XXXX  is allowing a paid debt to be transferred to a proxy agency for purposes of continuing to violate my rights under the FCRA. If XXXX  is allowed to take such drastic and illegal actions to knowingly and deliberately damage my financial well-being then the I will never be afforded the financial growth and reconciliation Ive worked for nearly 4 years to achieve. Every day this continues my business is incurring irrevocable financial damage. If immediate action is not taken to correct this fraudulent attempt to ruin my credit I will seek civil damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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: TN

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 I'm 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 promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I received a collections notice dated XX/XX/XXXX about a bill in the amount of {$500.00} from a collection service called Phoenix Financial that was serviced on XX/XX/XXXX to an address that I have never lived at XXXX in a round-a-bout way, their distant relatives ). I called the original creditor to figure out who and what the bill was actually for ( I have XXXX children so it could have been any one of us ). After checking each individual name through their database, the lady assisting me tells me that NONE of us have any past due or outstanding bills with them. I told her the collection service whom I received the notice from and she replied that they ( her company ) does not even use that collection service. 
So I call the collection service directly on XX/XX/XXXX at XXXX and had a 7 minute conversation with them trying and get clarification. They also can not tell me who the actual bill is for or what it is for. I ask them to send me a copy of the original bill and I'm still waiting XXXX It's now XX/XX/XXXX ). When I pulled my credit report in XXXX of XXXX, this collection wasn't even assigned until XXXX of XXXX and it wasn't on my report in XXXX of XXXX. 
I've contacted XXXX, XXXX, and XXXX  to dispute this on my account, but they all came back saying that the debt had been verified as mine. But really, how can you come after someone for a debt 5 years later, with no prior mention of it, and think that it's a legit debt??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies EQUIFAX XXXX AND XXXX gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give experian equifax and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency EXPERIAN XXXX  AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.

Company response to consumer: Closed with explanation