vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigations 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 non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A XXXX XXXX Credit Card was opened in my name on XX/XX/XXXX with a {$500.00} limit without my knowledge. The card was used up and later Charged off in XX/XX/XXXX. 

I found out about this card in XX/XX/XXXX when I wanted to purchase a car to get to work. 

I contacted Capital One Bank and informed them that this was not my debt and I am a victim of ID theft. In XXXX the company responded asking me to prove I am a victim and that the debt is valid. 
Next I contacted the Credit Reporting agencies for help and they too confirmed the debt as 'valid '. 

I placed a freeze on my report and reported my compromised Identity to the FTC and my local police department and kept a close watch since. 

I submitted the paperwork to both the credit reporting companies and Capital One Bank and still they said I am responsible for the debt. 

On XX/XX/XXXX XXXX from XXXX XXXX collection/recovery said you might as well pay this debt because it is yours and we will continue to update on your credit multiple times per month until your credit is in the 400s. 

In XXXX they did just as XXXX promised and over-reported an invalid debt to XXXX. 

XXXX  and XXXX  after learning of my ID theft and Capital One failure to provide original documents required already deleted them from my report. However, XXXX  continues to report on my file without sufficient support, just their word. 

Now they seem set on destroying me financially until I pay and how much they are hurting me I would pay even if it's not my debt but now I am borrowing money just to pay my increased rent ( due to a lower score ) and I got turned down for two jobs based on my credit score. 

I really need help fixing this error on my report or I may lose my job and become displaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018 I initiated a external transfer from an outside bank account. In order to do that they require verification of the account by verifying two small deposits made to the external account. Everything was verified and the account was added. I then initiated the transfer of {$2500.00} and it was successfully deposited into my account. They allowed the transfer after verifying the external account then froze my account stating they need to verify my identity. They told me the only way to verify my identity is through a bank statement for the external account. They wouldn't accept any other documents. No ID no passport or anything else. Just bank statement for the external account. I transferred the money at the direction of my wife because she was closing her account and she didn't want to wait 60 days for XXXX prepaid card to mail a check. Simple bank froze my account and won't allow me to access the funds in the account they won't let me close it out and get my money back. But somehow Simple bank has allowed a transaction from XXXX to happen and they won't fixed the unauthorized charge until I send them a bank statement for the external account which is not available. That account has been closed since the transfer was initiated. I just want to make a transfer to withdraw my funds and close the account. I can verify my identity with a driver 's license and passport as well as have my wife verify that she instructed me to initiate the transfer. I can also provide proof that she is my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-25 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: Bliksum, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid in full the balance and closed a home equity line of credit ( HELOC ) in XX/XX/XXXX with Bank of America. Bank of America NEVER discharged the loan, leaving me with a lien on my property. This negligence on the part of Bank of America is unacceptable, as is their bureaucratic process for the consumer to try to resolve! This is severely impacting my ability to sell and close on my home which is otherwise paid in full and should be free and clear of any lien! Im closing on my home sale in XX/XX/XXXX and this is a huge issue.

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 2020-08-25 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:
I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : XXXX, XXXX, and Equifax. They still have not answered my request. The information on my report must come off asap ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I was provided a false invoice submitted via PayPal on XX/XX/XXXX purporting to be the XXXX XXXX XXXX. I have tried to contact PayPal, but they have no customer facing automated security features available. Customers can not submit fraud claims nor notification management of fraud events outside of a phone call during normal business hours ( Pacific standard time ). 

Management at PayPal has failed to enact sufficiently robust cybersecurity practices. Management has hindered customer submission of fraud events. The board has displayed insufficient oversight over cybersecurity processes. PayPal audit has not conducted sufficiently rigorous audits and assessments around customer fraud event submission. These are unsafe or unsound practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Noticed at the end of XXXX my credit score dropped 90 points. After husband and I applied for a loan and were denied which was very unusual. Normally have excellent credit >750. Discovered USAA had reported a charge off on an account I had as a minor with my mother. It was closed 9 years ago when she filed for bankruptcy. Not sure why it was being reported now but it is well outside of timing for allowance on reporting. I did dispute with XXXX  and directly with Usaa dispute center both electronically and over the phone without any success. Makes no sense as all my accounts with Usaa are in good standing, have a boat loan and vehicle loan for many years now, would never be the case if this were true. All inappropriate reporting and I want discharged from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: NY

Complaint narrative:
I recently opened up a credit monitoring site and notice I have some accounts listed on my credit report which doesn't belong to me. I never applied or gave anyone access to my personal information to apply for any of these credit cards or loans. My attorney advised me to file a report to get these fraudulent accounts off my report. Below are the accounts reporting to my credit report which does not belong to me. 

account name- date opened- amount XXXX  XXXX XXXX XXXX XXXX   XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical  verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Property that I own at XXXX XXXX XXXX, XXXX  XXXX TX XXXX is a single-family residence and is currently being reported as an apartment that is incorrect and has not been updated even though I filed several disputes.

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 2020-08-25 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: GA

Complaint narrative:
To whom it may concern, the below credit inquires on my credit report were not authorized by myself. I have communicated with the companies personally and have all stated that there is no record of an inquiry in their system. I am asking that Equifax honor my word that the below are fraudulent inquires and remove them as requested through their dispute services on several occasions and the credit agency have not responded correctly. 
Inquires that are fraudulent : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Credit : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation