vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: FL

Complaint narrative:
Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Company is repeatedly calling me at all of my phone numbers multiple times ( more than XXXX times in a row, XXXX after another ) and never leaving a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An XXXX XXXX XXXX through Bank of America was fraudulently created in my name, using my home address, on XXXX XX/XX/2022. I noticed the account on XXXX XX/XX/2022 and contacted Bank of America to close the account and report the fraud. The claim number is XXXX. Bank of America 's fraud department requested that I file a claim of fraud with the FTC, which is what this is. I also contacted XXXX to report the fraud and dispute the account and the hard credit inquiry, on XXXX XXXX. 

The following is all the information on the account that I have. 

Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$0.00} XXXX as of XX/XX/2022 Date opened XX/XX/2022 XXXX XXXX late. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$18000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
In XXXX I was served with a lawsuit to garnish my wages after asking XXXX XXXX to combine my loans into XXXX. I was sued for XXXX loans. I hired a lawyer. We set up a payment agreement on all loans and I've never missed a payment. 
Around XXXX a different creditor pretended I had no agreement and tried to sue me again. I showed my paperwork and my payment history. 
Around XXXX this happened for a XXXX time. At all points when creditors tried to change I showed my agreement and never missing a payment. 
Finally those loans are gone. 
HOWEVER when I log into my navient account I see an account that I was never served, never once discussed and I XXXX  in XXXX. 
So surprise there is a XXXX loan that was never once mentioned in any documentation. 
When I log in and saw this I tried to continue my payments but creditors have returned payment. When i log into Navient website to pay for a mystery loan, I made XXXX payment and the payment button was XXXX. 
I don't even know what it is. I don't know why in XXXX  years this was never discussed with me ; I was never served ; I have no knowledge of the mysterious XXXX loan that is still showing up on my account. I don't even know if it's real or just some other manifestation of the loans that were paid off in full. The company doesn't explain. I want this XXXX  loan XXXX for time alone. I was never notified of its existence in XXXX  years despite how I was threatened to take to court 3 times over student loans that I had every payment documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XXXX/XXXX/2021 I filed a complaint against a fraudulent company called Asset acceptance llc Complaint # XXXX that company sent me a doll if I was seized at that time regarding an account I was unaware of Two days after having a complaint I received a notice of dissolution of continuation of the lien doll. Today I received the same letter trying to collect the same fraudulent debt. I am enclosing a copy of the dissolution that was sent to me. Could you verify all the information in the first complaint? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
Affidavit of Truth 1. Notice to all, I, am that I am, the consumer, in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name/middle XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX, and autograph as the XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, so be it, and ; XXXX. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached, so be it, and ; XXXX. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives, therefore, of, and /or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted commerce, so be it, and ; XXXX. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; 6. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that is in violation of 1681i 7. Fact, the affiant is aware and has proof in the attachment labeled as Exhibit B that is in violation of 1681a Thank you for your time. 

I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 

I do not consent to these proceedings. 

I do require subrogation of the bond to settle the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
Back in XXXX my XXXX  XXXX XXXX  was charged off on XX/XX/XXXX, I spoke to XXXX XXXX from XXXX  a Debt Collecter, and he closed the debt of {$1300.00} on XX/XX/XXXX. 
Since I have never been through this before, I figured when he closed the debt that meant I didn't have to worry about paying it. I had lost my job, and had no money coming in except Unemployment. Than back on XX/XX/XXXX I received a Civil Action Hearing Notice from XXXX XXXX, XXXX also known as Pressler, Felt & Warshaw LLP, XXXX XXXX XXXX, XXXX, NJ XXXX, their phone # XXXX. I have contacted them by phone and also with a written letter requesting information, I have never received a call back or the Verification claiming I am required to pay the full amount. 
I have Appealed the Civil Action Suit and the new date is XX/XX/XXXX, however they also decided to place a black mark on my Credit Report after they were served the Appeal paperwork. This took my credit which I have been working very hard to rebuild down to the 500 level. Please can you help me out, they have been adding charges after charges on the {$1300.00} i.e. charge for Civil Action Suit {$120.00}. Than one of the hearing dates I was not even notified of, XX/XX/XXXX. I have read the reviews on this company and all of them have stated that they are very dishonest and they are ambulance chasers. I can certainly believe that now after what they have put me through. Plus to sue me for {$1300.00} plus additional charges. 

Can you please help me, I would greatly appreicate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
MR. COOPER MORTGAGE COMPANY RECEIVED FUNDS FROM INDIANA HAF PROGRAM ON MY BEHALF STARTING IN XX/XX/2022 AND SHOULD HAVE APPLIED 8 TOTAL PAYMENTS TO MY ACCOUNT, THEY HAVE SAT ON THE PAYMENTS PUTTING THEM IN SUSPENSE FUNDS AND NOT APPLYING ALL PAYMENTS TO MY ACCOUNT IN A TIMELY MATTER. NOW MY ACCOUNT AND PAYMENTS APPEAR LATE AND THEY ARE STILL SITTING ON 2-4 PAYMENTS TO MY ACCOUNT. THEY REFUSE TO PROVIDE THE NECESSARY DOCUMENTATION TO THE HAF LENDER PROGRAM STATING THEY RECEIVED THE PAYMENTS. THEY SAT ON ONE PAYMENT FOR 2 MONTHS APPLIED IT XXXX RECEIVED IT XX/XX/XXXX FOR MY XXXX MONTHLY PAYMENT. I HAVE EMAILED, CALLED, TEXT, SENT MESSAGES AND HAVE NOT RECEIVED AN APPROPRIATE RESPONSE FROM THEIR RESEARCH AND RESOLUTION DEPARTMENT. CUSTOMER SERVICE REPRESENTATIVES CAN NOT HELP ME. THEY ARE PROVIDING ME UNNECESSARY STRESS IN THIS MATTER AS I AM ULTIMATELY RESPONSIBLE FOR PAYING FOR THE LOAN I RECEIVED FROM HAF. THEY ARE NOT APPLYING FUNDS ACCORDING TO THEIR AGREEMENT. **FURTHER DETAILED INFORMATION INCLUDING DATES, NAMES, CORRESPONDENCES ALL INCLUDED IN THE ATTACHED DOCUMENT***

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have capital one cards for years. Recently applied and received a savor card. After the annual fee and a few days of usage all my accounts were frozen. I provided proof of income with the application and card was subsequently approved. However after many years they now want me to send sensitive information despite having a relationship with me for years. And to top it all off they have restricted access to my rewards which have been earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MI

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. 


Account name : # XXXX Account name : # XXXX Account name : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 instructions 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 2022-12-29 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: FL

Complaint narrative:
Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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:
Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 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: CA

Complaint narrative:
On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: CA

Complaint narrative:
On or around XX/XX/2022, I attempted to access my account to make a payment. When I attempted to access my account, I saw that it had been blocked. I immediately contacted XXXX who told me there was a technical issue that be resolved soon. After being unable to login for a week, I contacted XXXX XXXX XXXX who changed the reason for me being unable to access my account and stated that it had been blocked. I requested paper statements until the issue was resolved but they declined. A XXXX representative also told me the account would not be reported to the credit bureaus until the issue was resolved, but on XX/XX/2022 they reported the account delinquent. XXXX has made it impossible for me to make a payment on the account because of their IT issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: NY

Complaint narrative:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: PA

Complaint narrative:
I am a natural person, I am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account : Individual Account Date reported XX/XX/2022 Account status Unpaid Creditor Classification Cable/Cellular Original amount owed {$1000.00} Original creditoXXXX XXXX XXXX Date assigned XX/XX/2022 Agency XXXX XXXX XXXX XXXX Status XXXX XX/XX/2022 Delinquency Date of last payment Balance owed {$1000.00} Comments Consumer Disputes Reinvestigation In Progress Balance date XX/XX/2022 Date of first delinquency Agency contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation