vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my credit score with Experian is frozen due to identity theft attempt. When a credit score check is needed we're supposed to go online / call to temporarily lift the freeze. 
the website is dysfunctional ( over 6 attempts ) and this action can not be completed. they refer you to the XXXX number. there are no agents on line ( 7 -8 calls over 2 business days ) .the only option is by mail (?!! ) with documentations and copies of bills and driving license. you can't even plan what will be the period of the temporary lift, because you have no idea when the letter will be opened. TERRIBLE.

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 2021-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
A correspondence was sent on XX/XX/2021 in regards to an alleged debt of XXXX. This company violated multiple laws listed below : 1. violation 15 USC 1692b ( 3 ) was done by reporting a logo and business information on the page multiple times 2. violation 15 USC 169 2e ( 2a ) was done by reporting a positive balance. A debt is to be reported using a negative balance if I allegedly owe a debt.

3. Violation 15 USC 169 2b ( 2 ) by using threatening terms " this is an attempt to collect a debt and any information obtained will be used for that purpose. '' 4. My Hippa rights was also violated by submitting my medical documents via mail.

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 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I am writing to The Consumer Financial Protection Bureau ( CFPB ) to further report and request an immediate resolution with the hope that you will assist and rectify a very messy and distressing situation. My complaint is associated with the unauthorized withdrawal/removal of {$1000.00} from my checking account with New York Community Bank via XXXX by an unknown individual, on XX/XX/2021. 
On XX/XX/2021 I responded to an New York Community Bank ( NYCB ) email informing me that {$1000.00} was withdrawn/removed from my NYCB checking account on XX/XX/2021 via the opening of an unauthorized XXXX account XXXX according to a notice by a XXXX XXXX XXXX XXXX ) XXXX. The notice indicated if I disagreed ( did not authorize ) the withdrawal I was instructed to contact NYCB customer service department. When I contacted NYCB customer service department on the XXXX, I was told because of the nature of my concerns I had to follow-up with my branch. Speaking with my branch manager XXXX XXXX the next day ( XX/XX/2021 ) regarding the unauthorized activity associated with my checking account. Most specifically there was the opening of a XXXX account with NYCB and the withdrawal/removal of {$1000.00} paid to a XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 
I was told NYCB is not responsible for any XXXX transactions and XXXX XXXX, reiterated when I spoke with him on XX/XX/2021 and met with him XX/XX/2021. When I questioned the validity of XXXX XXXX statement associated with a XXXX XXXX, having the ability to open a XXXX account and transfer funds reinforcing that XXXX XXXX was not known to me or an authorized member on any of my NYCB accounts. I was told the activity was done using my mobile phone, therefore, the bank felt the action solidified NYCB was not in any way liable even if I had not authorized the opening of the XXXX account. Clearly, such a position is preposterous and unacceptable. 
XXXX XXXX suggested that I follow-up with XXXX, a separate entity, because XXXX is not associated with NYCB. I found the statement totally unacceptable and shared my disagreement and displeasure. Even so, after several attempts to contact XXXX, I felt it was important and necessary to file an official fraud complaint with the XXXX XXXX XXXX Police Department, XXXX XXXX, XXXX, New York, moving the fraud incident forward. As a result, of my concerns, appropriately a fraud case was opened by XXXX. XXXX, and I was subsequently provided with complaint # XXXX, establishing a legal fraud complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/21 I received correspondence from Citibank in regards to their privacy policy - however no one answers their phone when calling the number on the letter I will be attaching that you can actually speak with. 

Im re : to that privacy policy on the last three choices where it says can you limit the sharing - and citi says yes just call them ( which I have with no help ) I want them to not share in reference to the last 3. 
Ex : For our affiliates everyday business purposes I dont want that shared nor do I want For our affiliates market to you shared as well as for our non affiliates to market to you - I dont want that shared either. Please have citi update this Bc I cant get a hold 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 2021-12-13 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: NY

Complaint narrative:
My credit card was full of false charged. I was talking to fraud department of BoFA and mailed them all required information about 9 months ago and did not see any changed on my account

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 2021-12-13 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: AL

Complaint narrative:
I have sent letters to Equifax, XXXX, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX {$920.00}

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 2021-12-13 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have been receiving repeated phone calls from Phoenix Financial XXXX XXXX, Indiana ( XXXX ) XXXX on my cell phone trying to reach somebody named XXXX XXXX. This has been going on for about 2-4 times a month for three years and Ive spoken on my phone dozens of times to them and theyve always agreed to take my cell phone number off their list but each time they have lied and didnt take it off their list at all. 
Ive never heard or do I know XXXX XXXX, he is not a friend, family member or acquaintance. 
Phoenix Financial Services uses a variety of Texas local phone numbers, the last being ( XXXX ) XXXX, when calling me and they always say or have a recorded opening that they are Phoenix Financial Services and that they are trying to collect a debt. 
I got my cell phone number ( XXXX ) in 2017 when I switched phone carriers ( XXXX ) in a move from XXXX to XXXX. My previous cell phone XXXX phone number was XXXX. 
I have asked them to stop calling or I will report them to the government many times and yet they continue to call me. I dont know what to do as they are constantly interrupting my day with their phone calls and it must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: KY

Complaint narrative:
I am very distressed. I have sent this company a 609 letter back in XX/XX/XXXX and it has been well over 45 days. if this company can not validate these debt within 30 days then these accounts must be removed. there has been misleading information published on my credit report that I never gave Equifax written consent or authorization to procure or produce with my information. To my knowledge, according to 15 USC 1681a ( 2 ) due to the nature of this consumer report, it has defamed my character to lenders and held me back from getting my home and other things. There have been accounts disputed many times because of this violation and equifax sends me results stating the derogatory alleged debts are validated. To my knowledge according to 15 USC 1692G debt collectors are required by law to meet the 5 requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts. Remove these alleged debts in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
I have been receiving upwards of 3 calls per week from an unnamed Portfolio Recovery caller ID. The numbers are probably spoofed as it comes from a different number and location every time. There is silence upon answering the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent letters to XXXX, XXXX, and TransUnion about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-13 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: AL

Complaint narrative:
I have sent letters to XXXX, Experian, and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts are deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act, this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly request that the information contained in my credit profile be reviewed and modified, but a response from you has not been possible I emphasize that federal law requires you to respond within thirty ( 30 ) days, but you credit reporting agencies continue to breach these federal regulations, which are investigated by the Federal Trade Commission. 
As I had previously communicated I keep a careful record of my communications with you for the purpose of File a complaint with the FTC. 

I further remind you that you are responsible for your intentional br

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: NM

Complaint narrative:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

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 2021-12-13 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates

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 2021-12-13 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: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2021-12-13 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: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. It has now been 60 days since I have sent this letter to investigate further into These items as they are not validated to be specifically mine. Section 611 ( a ) states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my report and once again, it has now been 60 days!! So both items need to be deleted immediately or I will file for litigation due to the XXXX you caused me!! Further, I need the letter I sent responded to with ALL the questions answered.

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 2021-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Unauthorized inquiries own my credit XXXX

Company response to consumer: Closed with explanation