vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account has been frozen since some where around XXXX, I reported my card lost or stolen XX/XX/XXXX And disputed some charges. I'm not an accountant I just know I'm missing money, I thought they could look at point of sale and tell me who was using my card. I SPENT AROUND XXXX  OUT OF XXXX dollars. Well instead helping me fix the problem they froze my account and edd is trying to put more of my benifiets in and can't so now I'm double in the whole and my bills are pulling up and things are getting shut off Not to mention I'm quarantined on a XXXX XXXX XXXX with no way to stimulate myself economically .. I am starving to death literally and they want to play games.I just want my account unfrozen funds put back since there f.d.i.c.insured. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a $ XXXXVisa card as a gift and I made one purchase for the amount of {$33.00} and another one for {$100.00} total, when I tried to used the card again it was declined so I check the card statement online and had XXXX balance because somebody use it in a location 40 mi.away from where I live I contacted the visa gift card customer service and they ask me for the card number as well as for the bar code number and they said theyll check for me so when I get back to check my card everything was removed from the system an unfortunately I did not screen shot the statement where it was showing where the card was used but I wrote it down and I have the card in my possession and Ive been trying to settle the dispute with the credit card company with no luck because they need the proof of purchase but I dont have it and Im not going to tell the person who gave it to me what happened is upsetting because if the credit card company check the card statement they easily find where the card was purchase so these is my last hope to recover the rest of the money thank you for your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
I recently pulled my credit to see where I stood to purchase a home. After looking at my credit I saw these medical collections I reached out and asked the companies to send verification and validation of my dept on XX/XX/2020 they only played games threatening me and asking me to claim the debt. I asked to prove that the debt was mine and I was told that the police will come and get me and that I would be sued. 

I asked the company to stop calling me. I have no other choice but to see help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: LA

Complaint narrative:
I received my credit report from Equifax and I noticed some inquires that I did not authorized. On XXXX XXXX XXXX XXXX is showing up as an inquiry. On XX/XX/2020 the following companies are being report on my credit report as an inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/2020 XXXX XXXX, XXXX XXXX is also listed on my credit report. I did not authorize these inquires. I have spent weeks talking to each of these companies and I was notified to contact Equifax to removed those inquires. I have sent several letters to Equifax and did not receive any respond from them. It has been well over 30 days. Equifax did not provide strict proof of me personally authorizing these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
South East Toyota Finance, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with XXXX. My score went down XXXX points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. SETF also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with SEFT they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to SETF incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: MD

Complaint narrative:
Transunion has violated federal law on XX/XX/XXXX I sent in a dispute letter for inaccurate accounts showing on my credit report I received a response on XX/XX/XXXX. The date on the letter says XX/XX/XXXX that date is questionable. More important than the questionable date I demanded under the Fair Credit Reporting Act for proof that these accounts are accurate which I received no proof of. This account still to this day does not state that the account has been disputed. U.S.C 1681 s-2 clearly states that creditors have the duty to provide notice of dispute which Transunion has not. These inaccurate accounts have caused me stress. I will add evidence in this complaint of this inconsistent false reporting account. I have been keeping track of all communication I will also attach a certified letter that I sent in response to Transunion automated letter. In this letter, I go into detail about some of the federal laws Transunion has violated. As well as addressing their negligence to address unauthorized inquiries and verify XXXX XXXX account. I hope I will not be forced to take legal action but I am prepared to. I would like to add I do not consent to e-Oscar or any means of automated verification I am a consumer with rights I demand to be treated with respect.

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 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {$30000.00} under the guise that it was necessary. I am in possession of a " Retail Installment Sale Contract '' This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously filed CFPB complaint XXXX on XX/XX/2021 because an extended fraud alert was missing on my Transunion credit report. Transunion claimed to have fixed the problem and on XX/XX/2021 sent me a new credit report, which while including the extended fraud alert, was now missing my security freeze. As information that should have been in my credit report now appeared to be missing, I also decided to pull another copy of my Transunion credit report on XX/XX/2021. The XX/XX/2021 report was once again missing my extended fraud alert, which Transunion previously claimed to fix. It appears Transunion did not properly fix the report. My report should include three credit report messages : an extended fraud alert security alert, a security freeze, and a promotional opt out. The last three Transunion reports I have pulled have only included 2 out of the 3 messages.

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 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I recently reviewed a credit report from XXXX XXXX and found that There is an item allegedly pertaining to me and was furnished by Pro Collect.The original report date was XX/XX/XXXX I reached out to Pro Collect via Affidavit dated XXXX XXXX and advised them of the following : I do not recognize the item which is negatively affecting my credit and causing me distress in a variety of ways. The furnisher of the item is Pro Collect. 

I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 

I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 

I advised pro collect that this is undeniable proof that they are in violation of the Fair Debt Collection Practices Act section 809 which only allows for 5 days after initial communication to provide the above mentioned information. I requested that they cease reporting this item to any and all bureaus immediately.

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 2021-02-11 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}, {$2200.00}, {$3900.00}, {$9600.00}, {$4100.00}, {$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 XXXX 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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: Viking Client Services
State: TX

Complaint narrative:
I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and XXXX ... 

XXXX now seems to have sold the debt to another collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, has reported to my credit incorrectly, recently XX/XX/2021 they updated a 6 year old charge off on my credit incorrectly with Equifax. My score went down 100 points. They are showing i have no good payment history only the bad. They removed the correct reporting and added something new. This vehicle should have been paid off because I had gap insurance and they received the funds. XXXX  also is increasing the charge off amount each month. The credit reporting isn't consistent. The reporting to XXXX  shows I have a current a current missed payment and currently null which isn't showing, the credit need to reflect the correct information. I have two accounts with XXXX  they need to be updated on my credit report. I have tried many times to fix this. I have been punished due to their incorrect information. Forced to pay higher interest rates and fees due to XXXX  incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and Cavalry ...

Cavalry now seems to have sold the debt to another collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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 have disputed XXXX XXXX XXXX  on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
I sent a letter to Helvey asking for any documents that have with my legal signature stated that this is my debt and the about I owe them. They sent me back a typed up letter they made stated that I owe them monies I have no knowledge of owing. I did not sign or agree to any services with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
I have disputed XXXX XXXX Services on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
I have disputed XXXX XXXX XXXX  on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..

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 2021-02-11 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:
On XX/XX/XXXX I sent a letter regarding inaccurate items on my consumer report. To this date, it has been well over 60 days, and I have not received a response as yet. I feel that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days, is reason to immediately remove these inaccurate items from my consumer report as it has been well over 60 days ; therefore, these items should be deleted promptly. I demand that these items be deleted immediately otherwise, I will file for litigation due to the stress that you have caused and allowed fraudulent activity to be reported where there were no permissible purposes to do such. In addition, my information was impacted by the Equifax data breach, and may have gotten into the hands of the wrong person. Additionally, After my identification and social security was stolen in XXXX, I recently decided to check my credit and noticed items on my credit report that I do not recall. I may have been a victim of identity theft. I have never done business with any of these companies and have never entered into a contractual agreement with the listed companies. As a result, the companies have violated my privacy as FCRA 15 USC 1681 states that my consumer report is my reputation, and the listed accounts have ruined my reputation by placing fraudulent information on my consumer report and causing me complete humiliation. This information needs to be deleted and not updated as I do not have a financial obligation with the listed creditors. Will you please assist me in removing these items?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
The company is Mr. Cooper/Nationstar Morgage company. After getting out of the Pandemic Forebaearnce program I have been up to date with my account and payments. It is in good standing and it has been in good standing more the majority of the mortgage 's lifetime. in 2015, there were late payments and delinquency reports on my credit from the company due to a modification process that has been cleared up back in XXXX. Since then I have never had a late payment or anything on my credit report. It was weird how after we got out of the forbearance and made the first payment there was a 100 points ( from low XXXX to low XXXX ) drop or negative impact on my credit report from the same delinquencies in 2015. I have reached out to the company and emailed them and they only state that they started an investigation but no one has communicated with me or I have not received any updates. I am in the middle of getting another mortgage so I need to fix this error.

Company response to consumer: Closed with explanation