vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

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 2021-08-25 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: Penn Credit Corporation
State: FL

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 2021-08-25 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX, and attorney general complaint!

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 2021-08-25 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: Possible Financial Inc
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021, IC System fraudulently reinserted and reported negative data to credit bureaus for the deceitful business practice to intentionally cause damage to my credit score in violation of specific statutes under federal consumer law in the amount of {$790.00}.

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have 21 different accounts with DEPT OF ED/NAVIENT and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Opened online Checking account with Bank of America with XXXX as a deposit and received emails welcoming me followed by identification verification failure email. That was XX/XX/2021. XXXX phone calls, XXXX letters from me to BoA resulted in diddly squat ... just more lies from BoA. The check is in the mail..I have been told repeatedly. Check was returned, they lies. I have never changed my name, never altered my identity and proceeded to open an account locally w BoA with the he EXACT same forms of ID verification. 
BoA, XXXX have mercy on this corrupt entity, has ripped off hundreds of thousands dollars from my heir very own clientele.

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have 21 different accounts with DEPT OF ED/XXXX XXXXnd it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

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 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have 21 different accounts with DEPT OF ED/XXXX  and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have 21 different accounts with DEPT OF ED/XXXX and it seems since I Consolidated my payments into 1 payment which is in good standings that the other 20 should be removed. I understand that all the information is one now so there is no need for this. I was told it is hurting my credit score.

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 2021-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CA

Complaint narrative:
I sent in my police report and my FTC affidavit to the three credit bureaus I called last month and talked to XXXX  and Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after i sent in my police report and filing a police report. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided them I spoke to XXXX who said he was from the fraud department integrity team and stated that and she didnt have to follow the FCRA rules and regulations. I explained that i received a letter saying if i wanted to Block the fraudulent information Under the Fair Credit Reporting Act Section 605B to keep sending in my police report. and then hung up on me. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy accusing me in the generated letter stating that my police report was not filed when it fact it is file with the police department they keep reporting a fraudulent account from XXXX XXXX Account Number XXXX and XXXX XXXX XXXX account number XXXX this is completely fraudulent and they are knowing and willing causing me damages, embarrassment and emotional distress

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 2021-08-25 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: IQOR US INC
State: OK

Complaint narrative:
I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account XXXX : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. I am confused as to why they are reporting the account balance as {$1500.00} when the high credit limit was {$1200.00}. I have sent two complaints XXXX and XXXX. The complaints that not only sent inaccurate information ( which violates the FDCPA ) but also exposed another consumers personal identifiable information by XXXX XXXX, Supervisor Complaint Management and Quality Assurance, at XXXX or XXXX. XXXX XXXX is the data furnishers of this account therefore they are responsible for information that is reported to the bureaus despite what was said in the attached complaint. Please see attachments. I have also made a complaints with XXXX  andFederal Trade Commission due to the of negligence of this company.

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 2021-08-25 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Dear American Express, The account of American Express on my credit report with 3 CRAs are inaccurately published. This account has been closed in XXXX XXXX. A charge off account can not have any activities after the closed date. CRA and furnisher stated the information has been verified and reported accurately. But how come there are inaccuracies reported which is a violation to my consumer rights of FCRA. Furnisher must update CRAs and vice versa of changes. I need this account deleted immediately and update CRAs. See attachment of letters of Amex for verification of info. 

Also, I will need the procedures of this reinvestigation and identifications of data and persons who will be involved if this inaccurate tradeline is not deleted.

1. Account number is wrong ( XXXX ) 2. Date of last activity is wrong ( XX/XX/XXXX ) 3. Status date is wrong ( XX/XX/XXXX ) 4. Highest balance is wrong- ( XXXX ) 5. Balance is wrong ( XXXX ) 6. A charged of account can not have any activities after closed date of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MD

Complaint narrative:
Equifax have violated my consumer rights. According to 15 USC 1692g and 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) Equifax have reinserted negative items onto my credit report illegally. I demand that the negative items that was previously removed be deleted and blocked. It is illegal for Equifax to keep the negative accounts from XXXX XXXX on my file without any written notice of reinsertion. I know my laws and I will make sure they are enforced. Attached is my credit report from last month and this month to show the accounts was not there in XXXX but is there in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Total Card, Inc.
State: MA

Complaint narrative:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

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 2021-08-25 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: MA

Complaint narrative:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.

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 2021-08-25 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX XXXX Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. EQUIFAX MORTGAGE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX CARD on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
I had XXXX tryin to get my money from westenunion for the pass 5.1/2 month for the amount of {$670.00} cent.the deposit was {$710.00} but they cash it and that's it's the amount naw of {$670.00} cent.they had liey to me on deferens occasion abaute sendden me a check.i also call social security becuse they tell me after all them liey that they send the money back to the sender and No. Another liey.i want my money Naw I also lost my residence becuse of it.please get back to me at sonn a possible.my name is XXXX XXXX.thank u.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Through XXXX, Pheonix Financial placed a debt that I was never made aware of. Twice Ive had to dispute this debt due to concerns about accuracy as there was no documentation regarding the debt.

Company response to consumer: Closed with explanation