vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: LEXISNEXIS
State: NJ

Complaint narrative:
I contacted lexisnexis on XX/XX/XXXX asking how they verified the information that XXXX, XXXX and XXXX are saying they furnished them regarding the bankruptcy on my credit report. On XXXX they replied that the bankruptcy was accurate without providing me the information that I was asking for even though at the bottom of their letter they said it was my right to request the process on how they obtain and verify this information. They tried to make it like I was disputing the information when I simply asked for the process of verification. on XX/XX/XXXX they sent another letter saying they were going to dispute/remove the info from XXXX, XXXX, XXXX. Then on XX/XX/XXXX they sent another letter stating they can't give the results of the investigation because I didn't fully identify myself which can't be true or else they wouldn't have responded to me on XXXX. Therefore I followed up today with response demanding what I asked for on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co.
State: FL

Complaint narrative:
I recently viewed my credit report and discovered that this company has reported that I owe them a debt. I never received a notice from this company prior to this being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fowler Bell PLLC
State: IN

Complaint narrative:
I was rejected at the bank, because of others personal opinions.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
We were notified of an alleged debt that was in collections sent by XXXX in XX/XX/2022. We requested, in writing, a validation-of-debt and, per law, an itemized bill of the alleged XXXX XXXX- we we're never notified of any bills or debts by the hospital to begin with so we wanted to make this wasn't a case of mistaken identity or a fraudulent charge - the dates they listed the bill in didnt make any sense. We never received any response from XXXX. Regardless, the alleged debt of {$2600.00} was still listed as negatively affecting my credit score. We found out we could dispute this with the credit reporting agencies and we decided to dispute this with XXXX. XXXX reached out to the collector and found that this debt was not accurate and fraudulent- it was removed completely from all of my credit reports in XX/XX/2022. 

We were then sent a collections notice the end of XXXX by XXXX XXXX Collections in XXXX, TX and have until XX/XX/2022 tp respond. We, again in writing, requested proof of this debt by asking for the XXXX XXXX XXXX and we also provided printed screenshots of the winning-dispute claim with XXXX to show this same debt was already deemed inaccurate and fraudulent/was already removed from my credit report. We mailed these documents on XX/XX/2022. 

Today i called to see if they had a chance to review the documents sent. I verified that the alleged debt was the same with XXXX for the {$2600.00} but she stated she had not received any documents to review and that we still owed the {$2600.00}. I explained that this debt was already removed from my credit history and was deemed fraudulent/inaccurate by the credit reporting agency . She stated that they still showed the debt and it could still be sent to the reporting agencies - that it could still negatively affect my credit. I'm not sure how that is possible- in the insurance industry, we call the act of attempting to collect on a claim twice " double-dipping '' and its a form of fraud. How can debt-collectors attempt to damage your credit when proof has been provided that its not an erroneous debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: NY

Complaint narrative:
Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from 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 non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attend XXXX XXXX and have a private loans of XXXX $ that need to be forgiven. I was pushed to get out loans in order to attend the school. Now I have a debt i cant get rid off. The school defraudet me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a Debt Validation Request to XXXX, an email confirmation was sent to me XX/XX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from XXXX stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a zero balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a Debt Validation Request to XXXX, an email confirmation was sent to me XX/XX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from XXXX stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a zero balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.

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 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I opened a PayPal credit account a few months ago. I decided to try the autopay, and it caused two errors. After the first error, I called customer service, and the {$29.00} returned check fee was restored to my account. The same thing happened again on XX/XX/XXXX. The XXXX customer service representative claimed that my bank rejected the auto payment, and they were closing my account because of too many " dishonored payments! '' I was able to make the remaining payments including a {$29.00} " returned check fee. '' I made a manual payment the following day on XX/XX/XXXX for {$110.00} with all the same bank information. The manual payments always worked without a hitch. 

Also, my bank confirms that there is no record of any rejected payments to XXXX. 

My XXXX  credit account was closed and I was offered to apply for another one the next day.

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 2022-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, fraudulent account opened, XX/XX/XXXX- {$37000.00} - A fraudulent account was opened in my name at Bank of America. 

XXXX XXXX, fraudulent account opened, XX/XX/XXXX- {$12000.00}.

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 2022-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc.
State: CA

Complaint narrative:
I opened a new TradeStaiont Crypto account for the {$500.00} bonus on XX/XX/2022. I have met all the requirements of their term. And I have waited more than 70 days for the bonus. I contacted them about the problem with my bonus. But they replied to me with different terms to refuse me the bonus I earned. I have their old term screenshot from when I opened the account. And the screenshot of their new term on their website now. They are a company cheating the customers. Please help me, don't let this kind of company keep cheating the people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contact these companies several times since XXXX XXXX. I have sent in identification to prove my identity and let these companies know these accounts are not mines. I have no knowledge of these accounts. It has been over 60 days since I have notified these companies and I have not gotten an answer!!! These account remain on my credit file diminishing my character. This is against my consumer rights. 
I have file police reports and sent all documents in to the creditors and the credit bureaus. 

The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: LEXISNEXIS
State: TX

Complaint narrative:
File # XXXX XXXX, XXXX XXXX I received a response from the XXXX regarding the validity of a bankruptcy that is being reported on my credit report. I have sent in multiple letter regarding this public record on my credit report. XXXX, XXXX, XXXX i also received a response from XXXX regarding the erroneous item on my credit report, each time the item came back as " verified ''. I've asked how the item was verified the only response I have got was the item was " verified ''. up on further investigation on XXXX. 

Based on the information I gathered on the website it was " LexisNexis '' that furnished the erroneous item to XXXX. This was taken directly from XXXX 's website " For bankruptcy public records collected through XX/XX/XXXX, XXXX obtained information about your bankruptcy from third-party vendor, LexisNexis. XXXX I then again contacted LexisNexis about the bankruptcy reporting on my credit report and there respond was " the item is not on my consumer report ''. Now I'm lost for words. 
Based on XXXX 's website, LexisNexis reported that unverified information to XXXX. The date my credit report was updated by XXXX was XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I received a text saying my bank account was compromised and to respond with Yes or No if I tried to do a transaction of {$3500.00}. The number was the Wells Fargo message number after I responded No, I got a call immediately from a bank representative. The phone number was the legit Wells Fargo number as I had double-checked the back of my debit card. They said I'd have to XXXX  myself the funds that were compromised, since the daily limit is {$1000.00} they set up an appointment the following day to finish it. The next day on the XXXX the scammer who impersonated the bank did call me on time and asked me to wire transfer the funds to myself. I figured it was legit since as stated they masked their real number with the Wells Fargo customer service number and followed the exact same procedures the bank does. The scammer however had access to my mobile login info and was able to use my information to send the money to his own account which I found out is a XXXX account. I called the XXXX to ask for a follow-up explanation and they informed me it was a scam. Immediately the lady who answered me made me feel ridiculous and said this fraud was all over the news. I had no idea this was happening as Wells Fargo didn't address this mass fraud problem in an official letter until the XXXX of XXXX. I have been going back and forth with the bank trying to get my money back but they are saying it's my problem as I ultimately sent the money. It's insane that it's been nearly 3 months of me being sent back and forth to different departments with representatives not even knowing how to handle it, and me spending nearly 2 hours on the phone with them. I have no clear answer as to how or if I will be able to get my money back, as the claims have been opened and closed multiple times. The last solution I can think of is filing complaints and having to talk to the FBI.

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 2022-03-30 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: NY

Complaint narrative:
I am writing today because I am shock how poor attention and lack of investigation Experian and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX  Account # XXXX The first error is the last verified date XXXX is reporting XX/XX/XXXX and Experian does not show a reporting date. 

The second error is the date of the last activity XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The third error is date open XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. 

The fourth error is the closed date XXXX is reporting XX/XX/XXXX and Experian is not reporting a closing date. 

The fifth error is the payment status XXXX is reporting late 120 days and Experian is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

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