vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I recently disputed this information with the credit beaurus and they stated this information was valid I have received no paper work confirming the validation of this account. This is a violation of my consumer rights. Ive been distressed and struggling through this pandemic to soon find out this false information is apprearinng on my report Ive listed all the violations that have been violated 806. Harassment or abuse 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around XX/XX/2020 someone stole {$4000.00} out of my bank of America debit card, I made a claim reporting the incident and the bank froze my card and sent another one. The new card that was sent I never activated because I was afraid the same thing would happen again, so I waited for response from bank of America. Two weeks later I got letter claiming my case was closed for fraudulent activity and my money would not be recovered. Meanwhile my unemployment benefits still being sent to the new card. I called again to try to get a reasonable answer for claim being closed, but was told to contact edd. I'd try contact edd but no response. So I decided to check to see balance on new card since money was still being sent, and I was told the new card was closed for fraudulent activity. At this point 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 monetary relief
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I get these " warnings '' quite often : XX/XX/XXXX Dear Customer, Your Accounts at Chase has been disabled due to attempted failed login.

Due to security reasons, we have disabled your accounts at Chase.

Follow the link to recover your account and prevent further disabling of your card and protect your account Recover Your Account If we determine the transaction ( s ) was/were authorized or correct. We will reverse the funds from your account and notify you.

Your Personal Details is protected by advanced online technology. For more, you can review our online privacy policy. 

Thank you Sincerely, Chase Customer Care Chase Privacy Operations, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Chase Online and Chase Mobile are registered trademarks of JPMorgan Chase & Co . 

XXXX JPMorgan Chase & Co .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX shows account opened XX/XX/XXXX. Not possible. haven't had account with original creditor XXXX since XXXX. Never owed a balance such as this, {$3600.00}. Maybe about XXXX. I could be victim of Identity Theft. I filed dispute with XXXX, and have currently done so with XXXX XXXX but that will be with their help negotiating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chex system fraudulent report on my behalf to a name or similar to my name as XXXX used my profile as victim if fraud. I sent them reports form XX/XX/XXXX. XX/XX/XXXX and newer and they keep marked my social as a problem with Certain banks. I never banks with XXXX XXXX or XXXX XXXX or XXXX XXXX. And many other institutions they spotted my name they should remove my alert and any other info they leaking regard me on how social ending XXXX Or they will leave me no choice to take them to a court as I did with XXXX and XXXX  reporting they paid me enough from false information, they obliged to clean my name after few times submitted dispute!

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 2021-01-21 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 — Investigation took more than 30 days
Company: HW Holding, Inc
State: TX

Complaint narrative:
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Investigation took more than 30 days
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet. I never had this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Investigation took more than 30 days
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Investigation took more than 30 days
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am being trying endlessly to reach Equifax credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, I sent a dispute notifying Experian that XXXX XXXX XXXX AND XXXX was reporting reporting inaccurate and incomplete information : Date of First delinquency is incomplete ( Missing ), Date Closed is incomplete ( Missing ), Date of last payment is incomplete ( Missing ) and the balance is incorrect. Experian failed to modify or delete the account. XX/XX/XXXX, after receiving Experian outcome I resent a letter for reinvestigation informing Experian that the account is still reporting incomplete and inaccurate information ; therefore, the account must be deleted. I received a recent report ( XXXX ) that not only still reports the account with all the inaccurate and incomplete information, but has added more inaccurate information to the report. Status field is inaccurate because it shows a Charged off ( written off ) amount of {$2800.00}, but a past due amount of {$1900.00}. If all that is owed or past due is {$1900.00} then now could {$2800.00} be written off if that is not what is owed. Now we have incomplete Date of First delinquency, incomplete date closed, incomplete date of last payment, inaccurate balance, and inaccurate status. Also, the recent investigation shows that the date opened is XX/XX/XXXX, but the date first reported is XX/XX/XXXX. How could that be. How could you report an account before it was ever opened? 1681i ( a ) ( 5 ) ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation XXXX XXXX XXXX has CERTIFIED AND VERIFIED THIS INCOMPLETE AND INACCURATE REPORTING INFORMATION

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 2021-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I went to us bank for one more attempt for home loan I gave him all the info even got letter from job, it buy itself was a task He said that's all we need, I cant count how many times I heard that After I got that he said he need my car payment knocked down I forgot to mention he started acting out, right after I talked to his management so I'm still sitting over my brother looking for help with my home buying process please if you can help please do something Now

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 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX Balance {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 
XXXX XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance {$16000.00} -This Charge off account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared.

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 2021-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent several requests to investigate inaccurate accounts on my credit report. I have been really patient with them. On XX/XX/2020 I requested Transunion to provide me, a description of their reinvestigation procedure / their method of verification. I received no response. On XX/XX/2020, again I requested in writing Transunion to provide me a description of their reinvestigation procedures and/or their method of verification. No response!!! I have been trying to apply for a home and their inaccurate records on my credit have caused me so much stress and loss of faith.

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 2021-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been in constant battle back and forth with Equifax for almost 3 years now. they have blocked me from being able to dispute items on my credit report. They have opened investigations and closed that were not submitted by me. They still have the wrong date of birth on my credit report two years after sending them the proper verification of my correct date or birth several times via fax. They currently state that my account is being held by a special handling department in which I can only speak to them. They will not thoroughly investigate items that I did properly dispute, they just update my report with verified but will never ever provide proof of that which they say they verified. They have allowed a creditor to pull a hard copy of my report 9 times within a two month time span and didn't even think that to be strange. XXXX XXXX XXXX pulled a report on my credit without my consent to pull XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. XXXX XXXX does not have anything signed by me that I gave them permission or even knew they had did this to my credit report this many times. I have tried to get some resolution with Equifax but to no avail. The block was removed 2 years ago when I advised CFPB of what they were doing and now it seems to be placed back on there. It states that I have investigations in process, which I have not called them or talked to them in a while so how can I dispute something that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am being trying endlessly to reach XXXX credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: SC

Complaint narrative:
Upon looking at my credit report I see something that I am unaware is on my credit report. XXXX which states retail is an account purchased by First Point Collection Resources on XXXX XXXXXXXX XXXX I was unaware of anything concerning this account have no knowledge what this account is, it says retail. I do not know who this furnisher is. I have made several calls to this company asking them to send me anything that verified I owned this debt and while doing so to stop reporting it to the bureau and they still will not. I am a victim of identity theft and clearly do not know who this company is, or what I owe them {$320.00} for. 
Collection Agency : First Point Collection Resources Account number : XXXX Creditor : XXXX Date opened XXXX Date purchased XXXX Amount of debt : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: SC

Complaint narrative:
FEDLOAN SERVICING reported multiple alleged accounts to the consumer reporting agencies. I am disputing the validity of this alleged debt pursuant to 15 USC 1692g as it is damaging to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ) and invades my right to individual privacy pursuant to 15 USC 1692. I have sent this company a debt validation letter and await their response.

Company response to consumer: Closed with explanation