vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I have disputed alleged accounts from PRA prior and PRA has been unable to provide any proof of an agreement between myself and PRA, therefore if PRA believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with PRA. PRA has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine. I also have never signed any agreement with XXXX XXXX, so any signed agreement between myself and XXXX XXXX would be fraudulent. Therefore any account from XXXX XXXX would not be my responsibility. I have maintained the same stance and will continue to for the next 10-12 months until the 7 years has expired for CB publication. PRA will receive nothing from me and I will continue to legally fight these false contracts. I owe PRA nothing and they will get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i was living in apartment with XXXX XXXX XXXX company and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time Equifax to remove the collection but no any reply from them same from XXXX XXXX the collection company please find attached 2 judgments from XXXX Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
All previous addresses, names, contact number, employer, listed on file is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from Equifax to follow the law and report all XXXX accounts on my Equifax credit report. 
Because of Equifax negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to Equifax but for some reason Equifax is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If Equifax fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Account # XXXX XXXX XXXX XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( EQUIFAX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file XXXX XXXX XXXX # XXXX Open XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am attaching the issues I have with the Comenity Wayfair card. I have not used this card since last XXXX. Online they are charging me XXXX if I pay online at XXXX PST time which I live in PST on date due. Also my first ever late pay with them I was 3 days late due to my child being in hospital they did not waive at a one time request and still then increased late fee to XXXX without notice. So they take my payment and I have no one to call on the phone when paying at XXXX or XXXX XXXX PST time on due date they should absolutely not be charging me XXXX it is excessive and abusive fee. so now they have charged me XXXX in fees and I still owe them XXXX. My balance in XX/XX/2020 was XXXX. Since then I have paid them XXXX yet my balance is XXXX. This is ridiculous. Most companies work with you and would waive especially same day and continues to pay monthly. I have never paid them more than 3 days late when child was in hospital. And they have treated me like a criminal for paying same day but at XXXX or XXXX PST. This company is the absolute worst. During Covid if there was ever an issue with any CC or paying a day late they waived fees or were super considerate AS I have never been over 30 DAYS EVER AND COMENITY IS AWFUL. Their twitter is full of their abusive fees and horrible customer service. I have never seen such a horrible credit company ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I made an atm deposit of XXXX on XX/XX/2021, I were told I would get my money back in 10 business days or credited, its now way over 10 days I haven't gotten my money nothing in the mail or my account this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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 belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be EXCLUDED from a consumer report. 

Please understand that pursuant to 15 U.S. Code 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The law clearly states ANY card, and the credit card that I used to originate the consumer credit transactions below was my social security card which makes me the original creditor and issuer. 

The accounts below by law should be removed immediately. 
XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Also please be advised that I have asked Experian to investigate these accounts numerous times, and I have ample proof that Experian has conducted said investigations and sent me correspondence that the results of their investigations were factual, accurate and true. 15 U.S. Code 1681a ( e ) states that in order to conduct an investigation by law the information is supposed to be obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian can not provide proof of this because it did not take place. 

15 U.S. Code 1681a ( e ) also states that the consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer.. So, if Experian did in fact investigate the accounts and came to the conclusion that the information associated with the accounts were 100 % factual and true then it should NOT be included on my consumer credit report pursuant to 15 U.S. Code 1681a ( e ) I DO NOT trust Experian to thoroughly investigate this matter at all because they are regurgitating the same vague " verified as accurate '' letters that they have been sending me for almost a year, which is why I am submitting this complaint through the CFPB for a third time.

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 2021-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been back and forth since XX/XX/2020. I have submitted multiple request to have the below inaccurate, misleading, and false reported items removed. I have not been supplied information on what means these were verified by. I requested a signed contract with my signature and dates of my missed payments. The law states in 15 U.S. Code 1681 ( 5B ) If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. These items were deleted by the other bureaus because they recognized them as inaccurate. My information was impacted by the XXXX  data breach as well as a data breach at my dentist called XXXX XXXX. Please remove these inaccurate and misleading items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: LA

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

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

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

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

5. XXXX - Account # XXXX 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 XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST
State: CO

Complaint narrative:
On XXXX XX/XX/2021, I attempted to close my account with Bank of the West. I had a checking and savings account. I physically went into a branch ( located at XXXX XXXX XXXX, XXXX, CO XXXX ) and asked the bank teller to take out all of the money of my checking and savings account. I received cash in the total of the two accounts. I asked for my accounts to be closed again. I received confirmation that this would occur. On XXXX XX/XX/2021, I received a statement and logged in to my online account. There, I received a fee of {$15.00}. I called Bank of the West to resolve this issue, but they were unable to do so, insisting that I overdrew my account ( because of the fee for not having sufficient funds, when I should not have had an account open with them ) and refusing to close my account until I paid the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07 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: SC

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter as to all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been over 45 days and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. My personal and private information was impacted by the Equifax date breach this could be the reason for these inaccurate things to be on my credit report. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
2 MONTH AGO I OPEN THE COMPLAINT TO PAYPAL AND THEY SAID THAT MY MONEY WILL BE ABLE FOR WITHDRAW IN XX/XX/XXXX. 

PAYPAL IS IRRESPONSIBLE, BECOUSE I TRY TO CANTACT MANY TIME AND I NEVER RECEIVED ANY EMAIL ABOUT I WILL ABLE TO WITHDRAW MY MONEY. 

i m attach the old letter. 
see what they said, i m really tire with situation, they never do wht is suppose they should. 

i just want my money now paypal XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
Hello! Hopefully someone can help in regards to a collection from CRME. First of all, I never received any letters from CRME stating I owed any debt nor did I receive any letters from CRME at all. This collection in the amount of {$620.00} was originally from XXXX XXXX XXXX from a visit back in XXXX of XXXX. At this time I was covered by XXXX XXXX XXXX XXXX and I have bank statements showing proof that insurance payments were successfully coming out of my bank account via autopay but for whatever reason XXXX XXXX XXXX XXXX didn't pay the bill. I had no idea of this debt until this collection hit my credit in XX/XX/XXXX. If I would have known about this debt I would have paid it without hesitation especially since it was such a small amount of money. Once I saw the collection on my credit report I instantly disputed the collection because the debt should have been paid by my insurance company. Unfortunately the dispute didn't go in my favor so I contacted CRME via phone to attempt to settle the debt. When I called CRME I had to correct the address they had for me on file because CRME didn't include the suite number. I explained to CRME what happened with the insurance company and I told CRME that I was unaware they were trying to contact me in the first place ( probably due to the address not having a suite number ). I asked CRME to do a courtesy deletion on my credit report after CRME receives my payment in full since this was just a mistake. I got NO. I called multiple times, dealt with multiple people and they all said no. I even pleaded with them that i'm in the process of buying a house and this is really affecting my chances of being able to get it now, they didn't care to work with me at all. All I want to do is pay the debt and get it removed from my credit report so I can buy a house for me and my family and if this collection doesn't get removed that might not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HW Holding, Inc
State: CA

Complaint narrative:
i was living in apartment with XXXX XXXX XXXX XXXX and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time XXXX to remove the collection but no any reply from them same from Hunter Warfield the collection company please find attached 2 judgments from XXXX Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was XXXX  in XXXX and an account was opened in my name while I was away. Bank of America allowed someone to open an account under my name and when I came home in XXXX I tried opening an account and was denied by several banks I then found out I owed Bank of America money so I called because I had closed an account with them before but I didnt owe them any money I was sure there was a misunderstanding. Ups on speaking to them I was informed I was negative over {$300.00} and that the account was closed due to frauds activity. They informed me a check was deposited and the account was closed because the check was fraudulent and I explained to them I was in  XXXX  and had no access to opening an account I asked if I can file a report they took a report of fraud and Said it will take 30 days. I called a months and a half back and they told me that since it was under my name Im responsible that the bank was a victim I told them Im a victim I cant open an account and Ive since realized some credit cards with XXXX  XXXX  were opened too and I owe there too. The Bank of America person told me i not considered a victim because they are the ones who lost money so I cant remove this and im XXXX listed on XXXX  for 5 years. I can prove I was XXXX im sure there are cameras and we can see that the person was not I how can I fix this

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2021 I reported a fraudulent transaction on our checking account to Regions Bank. On XX/XX/XXXX, I found that no action was in process and returned to the bank to complete a claim they then said was necessary to start action. After numerous calls, visits, and letters they finally issued a provisional credit on XX/XX/XXXX. As of this date, approximately four months since this was reported, no final resolution has been provided.

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