vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I do not know who this company is. I have disputed it with the credit reporting companies. I requested any and all originating documents. It is in violation of HIPAA law as well. Please inform this company to remove in and all information about me from their systems. I did do not consent to any selling or purchasing of any information involving my person. I have never done business with this company. I also will report to XXXX  if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 



XXXX  XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WV

Complaint narrative:
XXXX, order number XXXX amount of {$1700.00} XXXX, order XXXX, amount {$1300.00} XXXX, order XXXX, amount {$2100.00} XXXX, order XXXX, amount {$2900.00} XXXX, order XXXX, amount {$39.00} All of these were purchases and reimbursements from XXXX XXXX. Each was through my Discover card account. I have email from XXXX XXXX showing above stated refunds, but Discover is still charging me {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: AFNI INC.
State: GA

Complaint narrative:
On XX/XX/2021, I disputed AFNI, INC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted AFNI, INC via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, AFNI, INC is still being furnished on my consumer report via XXXX. I, XXXX XXXX XXXX, never gave AFNI, INC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have sent certified letters out to them and I am not getting know respond at all. The debt that they are trying to receive have been removed off of my credit report and put back on there. By Law they can not remove debt and put back on there. Once it comes off my report it must stay off. They will not respond to none of my certified letters that I have sent out. Please Help. 
Thanks. 

Account ; Midland Credit Managem Account Number ; XXXX Balance ; {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: MS

Complaint narrative:
I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.

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 2021-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021 around XXXX XXXX I called Transunion LLC about unauthorized reporting and was wondering why I was not notified of such reporting and if they had my express permission to do such. I sat on the phone for an hour and half to dispute these items. We went over each item multiple times with multiple agents. I asked if they were verified or not. I'm aware that these certain transactions are not to be included in such consumer reporting 's under the FCRA. I'm aware that Transunion LLC did not exercised their grave responsibility and respect of my consumers right to privacy. I made aware that I did not know any of person 's listed on my consumer report nor did I received any goods or services, consumer report does not include such reports containing information solely as to transactions or experiences between the consumer and the person making the report. Most importantly I never gave Transunion LLC doing business over seas. My permission nor contract with them collecting my data and furnishing as they please without consulting me first I am not their client. Not only have Transunion LLC breached my privacy and aggravated identity theft under [ 18 U. S. Code 1028A ], which is a violation of ( 15 U.S. Code 1681b ), Also Transunion LLC is participating in fraudulent reporting 's with unverified.

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 2021-10-09 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: MS

Complaint narrative:
I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I made a my last and final payment to Comenity Bank Wayfair on the the XXXX of XXXX. They did not process the payment until the XXXX of XXXX causing the account to accrue interest and fall in to collection. The payment was absolutely made on time prior to the due date. Wayfair held on to the payment so that interest could be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: CBC Companies, Inc.
State: IL

Complaint narrative:
Innovis is reporting multiple accounts for XXXX XXXX XXXX on my credit report its infringement upon a consumers right to privacy pursuant 15 USC 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
DEPARTMENT OF VETERAN AFFAIRS XX/XX/XXXX
XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I pay the balance of my Chase Bank XXXX XXXX credit card ending in XXXX online each month. A small balance was due on XX/XX/XXXX. On XXXX XXXX I attempted to sign-in to my account to initiate the payment but was blocked by a message that my computer was not recognized. Apparently, when I recently reinstalled XXXX on this 3 year old computer that made it appear to be a different device. 

The Chase security program asked for a cell phone number to text or call me with a so called verification code. The code would reauthorize my account and allow me access. Another option for Chase was to email me the code but there was no place to enter my email address. In desperation I called the telephone number for customer service. The customer representative said I could not be verified without a call or text to a cell phone. It made no difference when I mentioned my cell was damaged and had not yet been repaired. So I asked for a call to the landline at my residence but was rebuffed. " We can't do that, '' she said. 

I mentioned that my balance was due in 2 days and I wanted to pay timely to avoid a late charge. The customer service rep said she would have another person in security call me within 48 hours. I did not receive a call on my landline from Chase. I was forced to use the bill pay feature of my checking account at another bank to pay the balance. 

I tried to access my credit card account today and encountered the same situation. I would like to be able to access my account in case there is ever a need to dispute a charge. Currently, I have no access and Chase has done nothing to assist me. Other institutions do not require a cell phone to bank with them. For verification they ask for answers to security questions the customer has selected and provided the answers. Why Chase could not follow suit, since they have security questions for me and the answers on record, is ridiculous and unfair to the customer. Not everyone wants or needs an expensive cell phone or the ability to send text messages. I'm XXXX and living on a fixed income. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of American failed to properly process the forgiveness amount for my PPP loan in the amount of {$17000.00}. I submitted the appropriate documentation multiple times, however Bank of America would lose it and would miscalculate. Attempts to remedy and contact Bank of America would only be answered once a month, at best, when new information was submitted. They undercalculated my forgiveness amount. Additionally, when I asked for an extended repayment plan, which is a federal regulation, they did not respond to my requests. No communications have been received and they are difficult to reach when requested involving my PPP loan forgiveness.

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 2021-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
So many issues. The XXXX Georgia branch is so prejudice. Every time I walk in that branch the answer is NO. They hold my dads deposits for two weeks at a time.My father has had an account with them since XXXX  and he told me he refuses to use that account because of the way he is treated. They have refused to provide me with a debit card, with my Tennessee Drivers license I opened the account with. I am XXXX  and every single employee is XXXX. Not one single XXXX  employee. It has made it impossible to bank with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. I have already disputed both accounts and XXXX XXXX # XXXX was removed and reinserted back on my credit report which is illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
DEPARTMENT OF VETERAN AFFAIRS XX/XX/XXXX
XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-10-09 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: GA

Complaint narrative:
ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
That XXXX XXXX placed an encumbrance on the real property by means of an attorneys lien for {$20000.00} in damages for supposed attorney 's fees in arrears. XXXX XXXX, XXXX at XXXX and XXXX XXXX, issued me a Deed of Trust with a note in exchange for equitable title to the real property located on XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had a {$100.00} prepaid gift card that shows the website XXXX It appears to be a US Bank National Association card. When I tried to use my first card it would not work so the company said they would issue a new card which they did. I then tried to use the replacement card in several places and was told that it would not work. I recently tried to use it but since it would not work I had to give the merchant my credit card instead. When I went to look at the gift card balance, it then told me that indeed the card worked and that {$97.00} was taken off of it. When I called the 800 number on the back of the gift card I was told that they could not give me any information since the card was registered under someone else. They sent me this card so I have no idea why it is registered under a different name? That being said, this company should be shut down. They issue these cards and you can never seem to use them. They also do not provide support when needed. I have had problems with this same company in the past. I wish the government would thoroughly investigate their fraudulent practices as they are " stealing '' lots of money since the cards are so hard to redeem.

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 2021-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
This is related to my previous complaint case number XXXX. See enclosed file upload. I have since titled my XXXX XXXX XXXX in XXXX and subsequently notified the Ford credit company representative, but the Ford credit company has yet to send them the electronic lien release, according to the XXXX DMV title bureau., as they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
FRAUDULENT HARD INQUIRIES ON CHEXSYSTEM REPORT NOT INITIATED BY CONSUMER FROM XX/XX/XXXX ON XX/XX/2021 AND ON XX/XX/2121

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 2021-10-09 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 explanation