vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
InXX/XX/XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XX/XX/XXXX when trying to open an account at my local credit union. 
I went to a Bank of America branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX and the information was removed however, this information is still being reported to XXXX and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.

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 2023-07-28 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: TX

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The statute of limitations has expired on my debt and the original creditor sold the debt to a collection agency which by law they had no right to do. Now the collection agency has put their account on my credit reports which they are not allowed to do because this was a time barred debt that has expired. They are also trying to collect. I would like some help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
It's rigged. I paid them enough for credit repair service. Had false debts removed even got a letter in the mail. Over time I realize they never had any options for dispute it takes for me to owe them XXXX $ for them to open up a dispute after charging multiple cards excessively ... Obviously I don't have it, why are you charging all my cards -_- then because you did not get the XXXX dollars you closed my account and BTW I don't owe them XXXX $ they never gave me money. The deal was pay XXXX $ to build credit .... They using false debts as ways to target my credit... Mind you my credit score was only going up XXXX to XXXX pts at a time -_- definitely violates fair credit reporting act. And they try to control the narrative because when they opened their dispute system is not like you can write what happened and their asking for personal documents you dont need to dispute a false report... I can just go to cfpb why would I send them my personal iD and I already know u trying to collect money? It's not like this business gave me anything... They gave me XXXX $ on the account which was for books ONLY and was paid off didn't even use the rest of the money... Then they ask me for XXXX $ for building credit ... Then they started getting greedy and taking avantage relying on the money. Then in return talking about they chaning atm fees like nah thats not the deal or what I signed off on. You can't do what u want without updating the contract and it's terms PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo suspended my account for no reason. I just opeed the account my brother sent me XXXX XXXX. The let him send the money the suspended the account and now I have to wait for a account specialist to unlock the account. It's been 5 days no one at Venmo has anything they can do. Monday XX/XX/XXXX was the day the suspended the account. I called everyday this week and the give me a million excuses

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
multiple phone calls with no voicemails over the course of 2 weeks - recently upgraded to sending multiple text messages as well that do mention the company involved... i contacted said company and they have confirmed multiple times that no accounts under my information are in any kind of default/were not sent to any collection agencies. can not get live agent from collection agency on phone to tell them to cease contact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
1. ) An account was opened in my name on XX/XX/2020, with a credit limit of {$1600.00}. 
The last payment processed on the account was XX/XX/2020. 
In XXXX of XXXX, allegations were made against the XXXX company regarding child trafficking violations. 
At that time, proclamation of bankruptcy due to economic uncertainty was reputed and no further statements were received requesting payment.

2. ) After reviewing my account, I attempted to contact the agency on ( 3 ) different occasions petitioning confirmation of the unproven debt and obtained no response each time. [ See attached documentation. ] 3. ) It is my conclusion, that this inadequacy in communication allowed Midland Credit Management to continuously charge late fees despite my efforts in contacting them for validity of the alleged debt. 
4. ) My credit card limit, again, was {$1600.00} and the last purchase made was on XX/XX/2020 this would substantiate my submission that my credit card was clearly not at maxed-out capacity. 
5. ) Per my initial offer on XXXX, I requested full verification of the reported debt if not contacted by MCM within 15 days. My invocation was unacknowledged. [ See supporting documentation. ] 6. ) Within a timeframe of one month, this unverified debt would be considered time barred as the statute of limitations to retrieve a debt is 3 years. It is my perspective that Midland Credit Management intentionally withheld information regarding my account and declined to disclose details ; to profit financially from the accumulation of fees up until the statute of limitation was at capacity. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, XXXX, and Equifax. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan ( reported as Unsecured loan by Equifax XXXX Bureau Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by Equifax ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by XXXX ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by Equifax ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and Equifax, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : XXXX reports the account as " Late 30 Days, '' while XXXX and Equifax indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : Equifax erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " XXXX XXXX '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information.

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, XXXX, and Equifax will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: AL

Complaint narrative:
I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, Experian, and XXXX. After reviewing the reports, I have identified inconsistencies that I believe warrant your attention and resolution. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX  Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX  ( reported as Unsecured loan by XXXX XXXX XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX ( reported as XXXX by XXXX ) High Credit : {$30000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current ( reported as Late 30 Days by Experian ) Last Reported : XX/XX/XXXX ( reported as XX/XX/XXXX by XXXX ) Inaccuracies and Potential FCRA Violations : FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting Accurate Account Information : The " Date Opened '' is reported differently by XXXX and XXXX, with a discrepancy of approximately one month. This inconsistency may be a violation of FCRA Section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to provide accurate and complete information about consumer accounts.

FCRA Section 605 ( a ) ( 4 ) - Reporting Accurate Account Status : Experian reports the account as " Late 30 Days, '' while XXXX and XXXX indicate " Current '' and " Paid, '' respectively. This inconsistency may violate FCRA Section 605 ( a ) ( 4 ), which requires accurate reporting of the account 's payment status.

FCRA Section 605 ( a ) ( 6 ) - Reporting Accurate Credit Limit : XXXX erroneously reports the " Account Type - Detail '' as " Unsecured loan, '' which affects the " Credit Limit '' field, showing " {$0.00}. '' This is inaccurate as the account is an " Auto Loan '' and does not have a credit limit. This may be a violation of FCRA Section 605 ( a ) ( 6 ), which mandates accurate reporting of credit limit information. 

I request that you conduct a thorough investigation into these discrepancies and promptly take corrective action to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

I am attaching copies of relevant supporting documents that validate my claims. I trust that XXXX, Experian, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

Sincerely,

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 2023-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: FL

Complaint narrative:
This is a new complaint, company again has separate violation. Please send to the company for explanation as the company REFUSED certified mail leaving me unable to communicate with them regarding the debt. I have asked for validation in writing and for written validation to be sent to me. Repeatedly have requested debt validation from company that meets the requirements of the FDCPA. Company has FAILED to provide requested information. Certified mail was REFUSED and returned to sender on XX/XX/XXXX. Letter refused requested in plain language what the debt is for, how the debt was calculated, a complete payment history, information from the original creditor if different from Vance and Huffman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-28 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: PA

Complaint narrative:
I had a loan taken Opened XXXX XXXX, XXXX through XXXX. This loan was sold to another company SST and somehow the balance jumped to {$4500.00}. However, As reported on XX/XX/XXXX, I only had a balance of {$2100.00}. They seem to have lost track of this balance completely, and to make matters worse, they sold off to another company with the number of XXXX ( was not given the name ). Neither party seems to be in possession of the loan and I have called on multiple days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe. There seems to be a lot of misdeeds related to this personal loan and I simply wish to pay it and get it off my credit report, as this loan was originally intended to help me increase my credit report, not trash it. We were given little notice that the original company went under.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: VA

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-07-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XXXX of XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XXXX of XXXX when trying to open an account at my local credit union. 
I went to a XXXX XXXX XXXX branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX  and the information was removed however, this information is still being reported to Chexsystem and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.

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 2023-07-28 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:
Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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 did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation