vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all 3 credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello, I would like to file a complaint against all three credit bureaus. On XX/XX/2021, I completed an inquiry dispute with all 3 credit bureaus, with no responses. On XX/XX/2021 I sent a second letter requesting another investigation after no responses from neither credit bureau. Today, is XX/XX/2021 and I have received no response again. The bureaus are in violation of my rights as a consumer based on the FCRA guidelines

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 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Butler and Associates, PA
State: KS

Complaint narrative:
On XX/XX/XXXX I was provided with a Garnishment notice from my employer for a Judgement from back in XXXX that I was never properly served for which resulted in a default judgement. I was made aware of this garnishment in XXXX when my old employer notified me of a garnishment order while I was on XXXX leave. I filed a medical exception due to XXXX XXXX XXXX  & to give me time to dispute this debt as I was a victim of the XXXX XXXX Data Breach and this alleged debt transpired during the same week of the data breach. 

As a result of the XXXX XXXX Data Breach, I had a 2 year credit freeze & monitoring placed on my credit report from XXXX. I worked with XXXX XXXX Fraud Department & Filed Multiple Complaints disputing this debt. It was REMOVED from my credit report in Late XXXX as a result of the disputes. I thought this had been taken care of as I never heard anything about it again. 

On XX/XX/XXXX, I received a notice in the mail from this debt collector notifying me of a Garnishment Release from a old employer that I stopped working for in XX/XX/XXXX. Then two weeks later my current employer received a garnishment order. 

Not only was this debt supposed to be resolved due to XXXX XXXX Data Breach, I was never properly served, The Debt Collector was unable to validate the debt in XXXX when requested, The documents the debt collector provided me appear to be fraudulent & drastically inaccurate. But also, this debt collector had a garnishment order active for 4 years without receiving any payment, or any answer from garnishee. Which negligence of Debt Collector & Garnishee resulted in {$5000.00} in interest for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was charged for an XXXX purchase on XX/XX/2020 for a camera that I did not purchase. The amount was for {$400.00}. I went through all the fraud claim steps and have been denied both times. The credit card company XXXX Bank of America XXXX is claiming that the item was delivered to me and it never was. A person named XXXX XXXX is the client advocate from Bank of America who has been assigned to my case and gave me the alleged USPS tracking number. I called the XXXX MA XXXX XXXX and spoke with a woman there named XXXX who is the head cashier. She looked into the USPS computer system and that tracking number does not exist. This is the whole basis for their denial of my claim. XXXX XXXX wanted me to make a claim with the XXXX police department which I have done and faxed it to him. I can not make a claim with the USPS because the tracking number doesnt exist. Its been over twXXXX weeks since I have done these things that they wanted me to do to help settle this claim. I have not heard back from these people whatsoever. They do not answer their phones, they do not call back, and this is the worst customer service and bank Ive ever dealt with. I have the proof that I did not make this fraud purchase yet, Bank of America is doing nothing. My internet system was hacked into and I have proof of that as well. Im about to take this matter to an attorney.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified  account as of today. 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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX of 2020, I filed a dispute with these 3 bureau dispute department about the unverified accounts : XXXX XXXX  account # XXXX. In those 3 Months I have asked numerous times for a response and I have not received anything in response from thses bureau in over 45 days because this account is still in dispute. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Hello - I was on auto bill with my utility provider XXXX XXXX XXXX XXXX. For the last bill, I guess they decided not to auto bill and I was not aware of this. They passed the debt to TransWorld with erroneous contact info. 

Transworld told me they tried to call a phone number that was not mine ( I have had the same phone number for over a decade, so unsure why or how ). They also sent a letter that went to my neighbor during the lockdown. It sat on her kitchen island until she found it cleaning one day. 

The day my neighbor delivered it, I called Transworld and paid the bill. In spite of never receiving notice of the bill, due to the poor business practices of the utility provider and TransWorld, I have a negative mark on my credit. 

Other than this incidence, I have NEVER had a delinquency on any bill. Even as this delinquency was on-going, I was paying credit card bills that were 50 times as large. There is no logical reason I would not have paid this, had they made me aware. 

I am now in the process of applying for a mortgage for a new home and this has dropped my credit significantly and will cause me significant financial harm. 

Can you help me get this removed? Also, what legal rights do I have to recapture the losses XXXX additional cost ) I will have due to their poor business practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my XXXX In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am receiving debt collection letters from Resurgent Capital Services L. P. trying to collect a debt that I do not owe. Someone used my information to open an account with XXXX XXXX, XXXX. XXXX XXXX has turned the account over to LVNV Funding LLC who in turn have apparently turned the information over to Resurgent Capital Services. I have written them and advised them that the debt is not mine but they refuse to take measures to remove the information from my credit report. I want the information removed from my credit report. It is adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

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 investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: AL

Complaint narrative:
Equifax ; XXXX XXXX XXXX are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: AL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.

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 2021-03-29 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: AL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.

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 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
We purchased our current home on in XXXX and never missed a payment. My husband was unlawfully terminated, XX/XX/XXXX. His case ( # XXXX ) with the EEOC is pending resolution. 

Due to this reduction in income I applied for hardship/forbearance in XX/XX/XXXX. Wells Fargo granted 6 months and soon thereafter COVID-19 hit. As with the rest of the world and specifically 'Americans ' we are doing everything we can to protect ourselves, children and global community. This type of recovery doesn't happen immediately. And, the call today with Wells Fargo leads me to believe economics is being touted over ETHICS. 

We are simply requesting an additional 3-6 months forbearance ( as the President mandated ) until XX/XX/XXXX to regain our footing and then refinance to keep our home ( which also serves as my business ).

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 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: PA

Complaint narrative:
An unauthorized Ace flare account XXXX  checking account has been opened using my identity. I received a Visa debit card # XXXX XXXX XXXX XXXX exp. XX/XX/XXXX and activation instructions on XX/XX/XXXX. I have attempted several times to call the Ace flare account number phone number - the prompt only lets you activate the Visa debit card or report lost or stolen cards. The XXXX XXXX  phone number - the prompts choices are tax info, XXXX cards pertaining to stimulus payments and unclaimed property. I called XXXX XXXX XXXX only branch no one answers just a busy tone. I emailed XXXX  XXXX  customer service - their reply was we don't deal with individual accounts but gave me a customer service number. That number had me on hold for over 2 hours till my cell phone battery died and couldn't continue.

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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt collector represents an inactive debt and is duplicate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank ( SYNCB/PPC ) sold an invalid debt to XXXX XXXX XXXX and now XXXX XXXX XXXX is threatening to sue for this debt. I never opened this account, never authorized this account or had any knowledge of this account. I was first made aware of the situation when it first appeared on my credit report in XX/XX/XXXX. The account showed that it was already 120 days past due even though it was not reported on my credit reports in previous months. I then did research and learned how to dispute the false account. In XX/XX/XXXX, I mailed multiple dispute letters via certified mail to SYNVB/PPC requesting they remove the account and provide details and statements so that I could better challenge this debt. I did not receive any of the requested information from SYNCB/PPC. I challenged the information directly with the credit reporting agencies and after their investigations, all 3 deleted the fraudulent account from my credit files in XX/XX/XXXX. 

XX/XX/XXXX this account resurfaced on my credit reports as a collection account by XXXX XXXX XXXX. I received a notice dated XX/XX/XXXX from XXXX XXXX XXXX that threatened to sue me if I did not pay by XX/XX/XXXX. I have filed disputes with XXXX XXXX XXXX thru their website and sent a dispute letter via USPS today. I have also challenged this account thru the credit reporting agencies. I don't have confidence that they will correct this issue in a timely manner ( if at all ) since they are so quick to threaten legal action. I ask that you intercede to right this unfair collection action by both SYNCB/PPC and XXXX XXXX XXXX.

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 2021-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CA

Complaint narrative:
This is not my account UPGRADE INC account # XXXX with a balance of {$5000.00} I'm a victim of identity theft I never took out any loans with this company I never even heard of this company again this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I entered into a consumer credit transaction with Regional Acceptance Corp. I received a letter from XXXX XXXX XXXX XXXX stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation