vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
In accordance to 15 usc 1692 cc2 I have invoked my creditor status and notified XXXX, lexisnexis, XXXX, and XXXX  that I am creditor over all accounts in the name of XXXX XXXX are to be replaced as paid as agreed never late for all negative accounts. 15 usc 1681b permissible purposes the reporting agency must place or remove what ever the consumer request and has not changed the creditor score to that of a creditor as requested nor has the master or full file requested been received. 28 usc 3304 prevents the transferring of a debt after creation and once sold the debt is no longer to a third party without a contract. So all debt collectors are fraud without contract with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/20, I was notified by CFPB that Bank of America had sent its response regarding my complaint directly to me, but I never received any response. CFPB also advised I could contact Bank of America at ( XXXX ) XXXX XXXX. I have called that number dozens of times and it ALWAYS goes to voice mail. I have left dozens of messages and no one has EVER called me back. So Bank of America NEVER actually responded to my original issue. They just told CFPB they sent me a response they never sent and gave a phone number no one answers! How does that qualify as a response?

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 2021-04-18 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:
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 these charges. 
I ask that the items be deleted to correct my credit report. I am currently in the process of buying a house for my family and this is stopping the process for me. 
This has made my whole life challenging having my identity stolen. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

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 2021-04-18 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: CA

Complaint narrative:
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 these charges. 
I ask that the items be deleted to correct my credit report. I am currently in the process of buying a house for my family and this is stopping the process for me. 
This has made my whole life challenging having my identity stolen. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland credit management has repeatedly reported the same debt three times in XXXX and i believe 4 times in XXXX for the one debt these repeats of reporting the same debt over and over are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Back on the XXXX of XXXX I sent letters regarding some inaccuracies on my credit report that came to my attention. Its been almost 3 months and well over 2 months sent a sent letters informing the bureaus of my complaints but have yet to get a response. I just need these inquiries that were unauthorized to be taken off my credit report. This has affected my plans to apply for more credit with these existing on my report. It has been quite frustrating and I'm not sure what else to do but contact you all here and leave a complaint. I believe my information could have been impacted by the XXXX date breach as well. I'm not sure if this possibly has an effect or not but I just felt I should mention this. According to Section 611 ( a ), failure to to investigate these disputes in a certain amount of time gives reason to remove these inquires as it has been over 60 days! Please I need these inquiries to be verified and removed after the investigation as I know these are unverifiable. Please delete, 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 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
This debt was already paid. Please attached is a copy of bill that copy sent that I do not owe. This should not be on my credit report.

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 2021-04-18 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: TX

Complaint narrative:
XXXX It has been more than 30 days and the XXXX  has not sent me verifiable proof of these accounts.

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 2021-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had to travel to a remote area where there I had no access to my mobile phone services for two weeks. An internet connection was available through Ethernet, and I tried to access my account online. I was barred from the account because they required me to verify my account by receiving a security code via text message. I call and they told me that the only way to access my account is to be connected with my mobile phone at all times. In addition, I need to have text capability because that is the only way they have to verify my account. I was besides myself, I think this is a violation on my customer right to access the funds in my account at any time, from anywhere. I am worried because I travel to places and countries where I find myself unable to use my mobile connection, which means I can be barred from accessing my funds in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX took XXXX and XXXX ... on XX/XX/XXXX and XX/XX/XXXX XXXX credit took XXXX XXXX in XXXX Georgia took XXXX i called the wsy 2 go card they acted like they couldn't help me get my money back and one time before my card was stolen and someone used it as credit and got over XXXX cash and i reported it to them they did nothing i need my routing and acct number they want giv me that i need them to unlock the acct so that one place can refund my money this is all the income I have im a single parent and I need this thanks GOD bless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
I feel I was discriminated against, as this company BBVA denied my credit card request based on false information.

1. BBVA ran my credit score it was = XXXX XXXX. BBVA said I had serious delinquency ... wrong, as I have one " old '' late payment 3. BBVA said I had too many inquiries ... wrong, as I have two " hard '' inquiries.

4. BBVA said, my bank card balances are too high ... the report showed 17 % use Note : I have 5 credit card accounts, all have an exceptional payment history 6th account is a car loan, XXXX of the way paid, never missed a payment 5. It looks like this Alabama based credit card company don't want to grant credit to an educated XXXX man. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax we are temporarily unable to complete this request. please try again later. 
Unable to file a fraudulent dispute on my account. I tried several browsers and devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used to be a partner in a business and I set up our banking and credit card from BofA. 

We used the credit card but the business eventually failed - ultimately causing a charge-off of said credit card. This was years ago. 

Flash forward to last week - for some reason, I kept my personal account with them. In these Covid times, I made a desperate move and liquidated my IRA ( there wasn't much ) - those funds went to this BofA account. Within 48 hours, BofA swiped the entire amount and then on top of that, charged me a {$35.00} to do it. I now have absolutely nothing to pay any bills or feed my family. 

I don't know what to do.

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 2021-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX {$500.00} was sent on cash app, when I noticed what was going on I then sent a cancellation request and I also sent an email that cash app letting them know what had happened. I have sent every documents they have asked for repeatedly!! I don't get an answer at all!! All they keep doing is sending me an email asking for all the information and once I send it all I then get an email asking if I could rate how my experience went with such agent that has emailed me!??! I am also going through identity theft! I have written cash app more than 10times and this yet to this day has not been settled.. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
XXXX  we are temporarily unable to complete this request. please try again later. 
Unable to file a fraudulent dispute on my account. I tried several browsers and devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent was not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: TX

Complaint narrative:
Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights.The collector ( s ) did not provide me a HIPPA release that releases my medical information to them, therefore by providing such information these companies are in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed companies have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a debt from company XXXX XXXX XXXX XXXX XXXX for a alleged debt amount of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Colorado XXXX. 
XXXX XX/XX/2021 I received a letter in an attempt to validate a debt from company AR Resources , Inc. for an alleged amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, PA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I took out a loan through Wells Fargo for some jewelry at solitaire jewelry in XXXX, Tn. After getting and approval for XXXX I got some jewelry. XX/XX/2021. A couple of weeks later my credit score went down 119 points which was absolutely ridiculous! I contacted Wells Fargo and they told me that they are able to run my credit. Running my credit and taking 119 points is not the same thing. My credit score went from a XXXX to XXXX. After researching T the most my score should have only dropped 30-40 points NOT 119. I would like to get my points us back because I feel robbed of them

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 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.

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 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dispute-Hard Inquiries : XXXX  XXXX Explanation of dispute-Decline letter from XXXX on XXXX XXXX prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs.

Called Experian for inaccurate inquiries/other inaccuracies- Experian took few disputes on phone, stated I had to call companies re : hard inquiries. 

XXXX XXXX couldnt be reached via phone- Sent email- Both responses were erroneous. 1stt response claimed an open acct found in my name- Clearly demonstrated inability to fairly verify accurate information, unable to report accurate info, & instructed to file a police report-I had no legal grounds to do as there is NO OPEN acc w/ XXXX XXXX XXXX only an unauthorized hard inquiry. 2nd response, found an application associated with your infor. Luckily, there was no acct created in your name. However, there was an app that was marked as fraudulent & has been blocked. Thank you again for bringing this to our attention. Said call Experian. If what XXXX XXXX alleges actually happened, by law I should have been notified- XXXX XXXX sent 0 notification of its claims. XXXX XXXX clearly demonstrates wantonness.responses that induced stress & negatively affected my credit file. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and Experian tells me to call the furnishers, they cant do anything. Experian makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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 2021-04-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They said they reached out to me. They lied. They didnt have my right info in there computer to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Dispute-Hard Inquiries : CITBANK NA BEST BUYXXXX Explanation of dispute-Decline letter from XXXX on XXXX-reasons listed prompted me to comb over file. Found Inaccurate, unauthorized/unconsented credit apps/hard inquiries, creditors error, or mixed credit file ( s ). Have disputed/corrected numerous negative inaccurate names/spellings on report ( s ), SSN # s, phone # s, accs not belonging to me & affecting me throughout yrs. 

Called XXXX  for inaccurate XXXXnquiries/other inaccuracies- XXXX  took few disputes on phone, stated I had to call companies re : hard inquiries. 

Called Best Buy, Citibank NA- Best Buy Citibank asked for my full ss # l/name- Stated no info found, since I dont have an acc w/ them- & they cant verify the inquiry- said call XXXX  back. 

Neither the furnisher ( s ) who reported the hard inquiry to my credit report say they cant help and XXXX  tells me to call the furnishers, they cant do anything. XXXX makes this process entirely too difficult and time consuming when trying to correct inaccurate information on ones credit file.

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