vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/2021 a purchase was made through my MoneyLion Virtual Credit Card for {$25.00}. I attempted to receive a refund directly from the merchant, XXXX XXXX but was unable to even after contacting the XXXX  who said they made two bone fide attempts to contact XXXX XXXX  Corporate and received no response. I then began a ticket with Moneylion and filled out their paperwork plus sent in a ton of my own paperwork including items such as the digital card and the fact the systems went down and nothing could be done on-site. Weeks later, Moneylion closed the ticket, just days after I sent in additional information and I asked for it to be re-opened. The dispute resolution department gave me two dates that were a follow-up date that my account would be updated, and both of the dates came and went with no word from Moneylion Dispute Resolution Department XXXX Then I was asked to re-send in faxed Moneylion forms I had already sent in and then asked for a copy of the digital card three weeks after the initial contact which I had already sent in as well. No due diligence was done, this was totally mishandled and then I was just told summarily that the dispute is denied, final, a letter sent. I have been a Vice-President of XXXX at XXXX XXXX XXXX and I can tell you that when money is withdrawn from your account and you are not given any service or goods to equal that value it is a FRAUDULENT transaction and should be removed. I will forward this to XXXX and XXXX XXXX and hopefully, they will see the truth behind what is going on here and call the franchise owner or corporate or do ANYTHING that could be considered an investigation of merit. This department of Moneylion needs to be re-vamped or they are going to be a possible cause of the severance of the relationship of any banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed immediately. 


Collection : XXXX XXXX XXXX INQUIRES : XXXX  XXXX XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I just want my unemployment benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I never entered into any credit transaction with fed loan per saint 15 USC 1692 Which states its not illegal to sale a account but it is a violation to sale my personal information and it is also a violation per saint 15 USC 1692e 807 false or misleading representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer violation so they are civil liable for damages for willful noncompliance per saint 15 usc 1692k

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Via XXXX, I have disputed on numerous occasions false debt and false addresses tied to my credit report. On XX/XX/2021, and XX/XX/2021, XX/XX/2021, and XX/XX/2021 I have disputed the debt collection of XXXX usd from XXXX XXXX  / SUNRISE CREDIT SERVICES and it continuously shows up on my XXXX credit report. These issues have been resolved via XXXX and XXXX but XXXX still can not seem to understand how they have mistakenly allowed SUNRISE CREDIT SERVICES ( acct # # # # # # # # XXXX ) to falsely tie this XXXX XXXX  account to my name, which I have no knowledge of. 

My credit score is nosediving by over 100pts due to no fault of mine.

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 2021-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: TX

Complaint narrative:
Ive reported this issue with XXXX XXXX before regarding a goodwill adjustment but I see theyre reporting this entire account incorrectly, if Ive had 2 30 day late payments then why am I showing late in XXXX on one report & XXXX on the other one. If they cant figure out which month to report this then it needs to be completely erased off my credit report. I care very much about my credit but this is a clear violation of the FDCPA that XXXX has done

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Debit card shut off on, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, And more : XX/XX/XXXX, and XXXX This is being done by the Bank of America, under the guise it is for security or fraud. 
Yet, if you look at my purchasing history, well documented, it is the same purchases I have made for years.Shutting debit card off my debit card is XXXX XXXX XXXX XXXXI am a honors preferred client customer labeled by the Bank of America. Been with Bank of America since XXXX. Carry balances in excess of XXXX figures. 
I am a Veteran, XXXX and a senior. 
Bank of America advertises their debit card by, " use it as you want to. '' After shutting down my XXXX XXXX, it was impossible for me to buy a prescription at my drug store. The next to last XXXX XXXX was rude, talked over me, XX/XX/XXXX, I begged her to let me talk and completely IDed myself, but she refused to release the card for use. 
I challenge the bank to listen to that XXXX rude conversation.She went on to accuse me of using the card in an aggressive manner, when I asked her to define aggressive usage she went ballistic.

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 2021-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I checked my credit report and found that my mortgage company XXXX which is serviced by Nationstar is reporting my account as closed and doesn't list any of my payments. I contacted XXXX and was told that since I filed bankruptcy in 2016 that they could list my account like that. All of my payments have been made and on time. 
I was told that if I wanted it changed to get a lawyer. I tried disputing this through XXXX but XXXX refused to update the information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
These accounts are not mine and one one of the accounts, these are not my charges. I just noticed these charges. The XXXX account was paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX XXXX or INDEPENDENT XXXX CONSULTANTS IN. 
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$42.00} and there's a duplicate with the same alleged owed amount of {$42.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts are not mine and one one of the accounts, these are not my charges. I just noticed these charges. The XXXX account was paid in full!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF THE WEST
State: NM

Complaint narrative:
I XXXX XXXX have been banking with bank of the west for almost a year now from the beganing I have been treated poorly and never getting to have things explained to me from checks bouncing paying them within the five days and still having collection agencys contact me about unpaid debits after all of this that bank closed my account for getting upset for getting into my account without permission or me giving them my account number I don't know how they did that after get mad they told me I didn't have any money in my account witch was a lie I had XXXX dollars after they told me I did have money in my account when they said I didn't they made me withdrawal my money and closed my account I was getting a settlement soon to be deposited into my account now I can't find it I don't have a bank account for reasons that could be avoided and money that was unsafe taken from me and also almost losing my life for please help me resolve this matter XXXX XXXX

Company response to consumer: Closed with explanation