vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 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:
XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX : XXXX Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
First of all XXXX XXXX, previously known as ( XXXX XXXX ) was an account I had back in 2004 this account was removed from my credit report based on credit report policy of after 7yrs being reported. I have never used my daughter email account in any of my personal credit card accounts. Further in XX/XX/2004 my daughter was only XXXX years old meaning the email used to contact me did not exist. So this third-party collection agency agent decided to violate my daughters privacy by how did they get to use her personal email to contact me? What if this person wasn't related to me and the companies employee assumed it was? My entire dept amount which I don't recall, it was given to this individual ( my ) daughter through spam-email including the year of it being opened and when it was charged off and the credit cards amount owed. It states in the bottom that collectors are only to contact your spouse and not to give anyone else your dept information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Resurgent Capital Services L.P.

Complaint narrative:
LVNV is reporting a fraudulent account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I have tried to dispute this account but it keeps getting verified, even though its clearly not mine. I am requesting the removal of this fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
Received a letter from Allied International Credit Corp, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX phone XXXX making a demand for {$160.00} owed to XXXX. 
I contacted XXXX and received a reply stating no amounts are due to them by me. 

XXXX  has received similar complaints which evidences a scam being perpetuated by this organization. 

The company shares a location with a law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the law firm they were evasive about any connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent 4 disputes to Equifax to their mailing address of XXXX XXXX XXXX XXXX, GA XXXX on the dates of XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. The accounts that were disputed were XXXX XXXX for {$130.00}, XXXX XXXX XXXX XXXX for {$9700.00}, XXXX XXXX XXXX XXXX for {$10000.00}, XXXX XXXX XXXX for {$210.00}, XXXX XXXX XXXX for {$120.00}, no named account on the report for {$280.00}, no named account on the report for {$50.00}, no named account on the report for {$200.00}, No named account on the report for {$260.00} and a no named account on the report for {$62.00}. I have not received one response to any of these disputes and Equifax is refusing to delete the disputed accounts despite their violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
ATTENTION TO CREDENCE RESOURCE MANAGEMENT ( 11 XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company CREDENCE RESOURCE MANAGEMENT in XX/XX/2019an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX the Bank of America Vice-President of Credit and Resolution, XXXX, California has repeatedly physically threatened us that either we pay the full monthly car loan amount of {$770.00} rather than the {$500.00} which is all we can pay because the novel coronavirus makes it impossible for us as senior citizens of advancing years with very serious health problems indeed or the Bank of America shall take physical action against us! Come to our home " in the middle of the night '' and physically assault us if necessary, that is the implication, if we stand peaceably by our car so that the Bank of America not take it away! A car that we need in order to visit our respective physicians! 

XXXX. and MrsXXXX XXXX XXXX and XXXX XXXX XXXX PS : The CFPB does absolutely nothing to help us despite ten ( 10 ) previously complaints by us about the Bank of America. 

You are apparently a toothless lot or a lot lacking in moral courage to say the least!

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 2021-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was alerted through my XXXX account on XX/XX/21 of a {$3000.00} ACH Transfer that occurred via my Bank of America Credit Card on XX/XX/21. I contacted Bank of America 's fraud services on XX/XX/21 to understand what the charge was and to dispute it. the woman I spoke with was unsure what the charge was, but said she would open a fraud investigation and someone would call me back in 48-72 hours. When I did not hear back from Bank of America, I called them again on XX/XX/21 to find out what the status was. After being transferred to several departments, I spoke to a gentleman that told me someone impersonating me had called Bank of America and asked for a partial refund that I had made when paying off my monthly credit card statement. When I told him that was not me and that I wanted more details on how that would happen, he said that he did not see an active investigation opened and that he would open one for me. He also asked me why my credit card was not closed and a new one issues when I called on XX/XX/21, but I didn't know the answer to that. He then closed that account, re-issued a card, and told me that someone would be in touch in 1-2 weeks. I called Bank of America again on XX/XX/21 and the woman on the phone told me that she did not have an update, but she would check with her manager on next steps. Once she connected with her Manager, she came back on the line and told me that Bank of America would only follow up with me via mail and I should expect that in 10 business days from the day my inquiry was opened ( which they state was XX/XX/21 even though I originally called on XX/XX/21 ). As of today, XX/XX/21, I still have not received any calls back from Bank of America, I have not received a letter in the mail, nor has the money been credited back to my account. I would like this resolved Immediately as this has been dragged on for too long and Bank of America doesn't show any compassion with my case.

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 monetary relief
Consumer complaint received 2021-02-18 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: MI

Complaint narrative:
XXXX XXXX XXXX {$18000.00} Date Opened XX/XX/XXXX, XXXX This account is over 7 years old and should be removed from my credit. 

XXXX XXXX {$25000.00} Date Opened XX/XX/XXXX, XXXX This account was opened fraudulently and i have also spoken with the company and they agreed tp remove it. Its also almost 7 years old. 

XXXX XXXX XXXX {$26000.00} Date Opened XX/XX/2016 This account was not opend in XX/XX/2016. These dates are completely incorrect and this debt was settled.

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 2021-02-18 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: DISCOVER BANK
State: NV

Complaint narrative:
I have a credit card with Discover Financial Services. There was an incorrect charge on my Discover card and since I do not use the card I rarely go in there to check. The charge led to multiple late payment fees and I finally got a notice in the mail. I checked the notice and immediately contacted Discover. It took a few months for them to settle the dispute and acknowledge that was a fraudulent charge. Discover did go ahead and reimburse the fees, brought the account status back to normal however they did not go back and fix my credit. Due to this incident, my credit was impacted and brought my FICO score down and after repeated calls, they have not fixed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTENTION TO XXXX  XXXX XXXX ( XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
ATTENTION TO AARGON AGENCY INC ( 01 STOR AMERICA ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company AARGON AGENCY INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-02-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. MACYS/XXXX Inquired on XX/XX/2020, XXXX  XXXX XXXX Inquired on XXXX XXXX  2020, RESIDENT VERIFY Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-02-18 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: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I returned a call to XXXX XXXX XXXX XXXX in response to a voicemail indicating an injunction was being filed against me. The agent for this purported law firm ( I believe her name was XXXX XXXX became angry when I didnt agree with her about the debt. She threatened legal action, made a false claim about the statute of limitations on this debt, and claimed she would close all my checking accounts within 30 days. Furthermore, she disconnected the call before I had a chance to respond. This is consumer abuse. We could have discussed the account and resolved the matter, but this agent insists on using bully tactics to get her way. I refuse to reward that behavior.

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 2021-02-18 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: Choice Recovery, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( Date opened XX/XX/XXXX and XX/XX/XXXX ) add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NC

Complaint narrative:
I previously sent a security freeze request letter to CoreLogic. Still, in their response letter they sent me back, they told me that CoreLogic Credco is a reseller of consumer report information provided by the three National Consumer reporting agencies, so basically, they are not able to put a security freeze with the credit bureaus on my behalf when I did not ask them that because I'm asking CoreLogic to place a security freeze on my CoreLogic credco Consumer Report. I also sent CoreLogic all the information they needed, including a copy of my driver 's license, social security card, and utility bill. However, they still did not place a security freeze on my CoreLogic consumer report, so now I'm filing a complaint against them. I also have a copy of a security freeze letter that Corelogic previously placed for me in 2019.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-02-18 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: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
Regions Mortgage has reported that my mortgage payments are late. And this has been falsely recorded by XXXX  and reported as part of my credit report. This however is NOT true. My mortgage payments have all been made on time and in full. Regions claim that my account is delinquent is false. This must be rectified immediately if not sooner.

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