vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-06 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: HI

Complaint narrative:
I have been trying to work with Equifax XXXX  and XXXX on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not 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 explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
My Transferwise account was terminated without explanation. My appeal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO # XXXX THIS COLLECTIONS IS CONSTANTLY REPORTING ON MY XXXX CREDIT REPORT EVEN THOUGH IT'S A VIOLATION. 
I'VE DISPUTED THIS A NUMBER OF TIMES AND STILL COMES BACK VERIFIED PORTFOLIO # XXXX SHOWS A PAYMENT STATUS OF 120 DAYS LATE AND PAYMENT ACTIVE AFTER PAST DUE $ XXXX ON A COLLECTION Account Type : OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
American Honda Failed to validate account number XXXX per my request mailed on XXXX/XXXX/2020. 
Due to American Hondas failure to validate account number XXXX, I mailed a follow up letter on XXXX/XXXX/2020. 
On XX/XX/2020 I mailed American Honda Finance a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XXXX/XXXX/2020. Return Receipt Tracking number XXXX. 
Due to American Honda Finances failure to validate account XXXX twice, I demand the tradeline be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I enrolled this offer by XX/XX/2020 ; Citibank  Promotion sent to me over email : " Earn XXXX Bonus Points after spending {$1000.00} in purchases within 3 months of account opening, redeemable for a {$150.00} gift card at XXXX '' ( original citi promotion email attached ) I have confirmed with Citibank through online banking chat regarding my enrollment of this offer. 

I have met all the requirements to obtain the promotion bonus ; I have made a purchase in amount of {$1500.00} on XXXX2020 using my Citi Reward+ Card. 

I have not received the promised XXXX Bonus Points until 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 2020-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
There was fraud committed through my cash app via XXXX  XXXX. I think this may be identity theft, because I closed my account and investigation took place back on XXXX XXXX 2020. Bank  replaced funds. Forward to wed XXXX 2020, XXXX XXXX  reversed my funds and took all the money out of my account. Cash app closed my account but I have stock with cash app. Ive noticed few of my stocks were sold. XXXX, square, XXXX, XXXX and a cash out to XXXX  bank, which I dont have an account with. Ive notice there was identity theft because I saw the documentation that they were sold with my name on them, and it would be transferred XX/XX/2020 to XXXX XXXX. I contacted cash app multiple times, and XXXX  XXXX. They did nothing. Cash app just sent me links to solve my problem. Ive lost over XXXX dollars in cash app and XXXX  XXXX  as Im typing this.there was a money trail with a person XXXX XXXX. I never sent money to anyone through cash app. Especially not XXXX. I have proof I was sleeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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:
hello i am filing a complaint for error on my credit report from Transunion, XXXX, XXXX so i want the items removed and deleted from my report or verified.

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 2020-12-06 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: World Acceptance Corporation
State: GA

Complaint narrative:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX XXXX the original creditor and then now world  finance  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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:
hello i am filing a complaint for error on my credit report from XXXX, XXXX, Equifax so i want the items removed and deleted from my report or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: FL

Complaint narrative:
hello i am filing a complaint for error on my credit report from XXXX, Experian, XXXX  so i want the items removed and deleted from my report or verified.

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 2020-12-06 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: IL

Complaint narrative:
XXXX XXXX Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report 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
Consumer complaint received 2020-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report 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
Consumer complaint received 2020-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
Lender requested Escrow. Assigned The Money Source ( TMS ) TMS handles and collects escrow. 
Property taxes for my residence were due XX/XX/2020 with Delinquency date XX/XX/2020. Interest accrual due XX/XX/2020. 

TMS did not respond to email requests and online documents uploads showing Tax payments are due. I am unable to reach the customer service by phone due to excessive wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.

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 2020-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ive gotten charged by BBVA compass for NSF fees, they constantly charged me for a transaction debiting the money from my account and then recharging it again once pending wait is over. 
Overall for the month of XX/XX/XXXXXX/XX/2020 theyve charged me {$480.00} for nsf fees, last month XXXX in total of {$560.00}, in XXXX XXXX total of {$120.00}, and in total {$540.00} in nsf returned items charged. 
Thats in total of nearly {$1500.00} theyve taken from me. 
Its not okay especially during this pandemic, I get paid and Im left with nothing but some more over draft fees. I dont know what else to do Ive called them to resolve the issue and they wont provide me any assistance. Its been happening a lot lately and its draining me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my Transunion it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off 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 explanation
Consumer complaint received 2020-12-06 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:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with equifax taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX XXXX report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 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:
I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by XXXX XXXX first of all i do not have a loan with this company XXXX XXXX I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX  it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX  XXXX  the original creditor and then now XXXX  XXXX  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off 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 non-monetary relief
Consumer complaint received 2020-12-06 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: TX

Complaint narrative:
I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.

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 2020-12-06 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: TX

Complaint narrative:
I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America, is reporting INACCURACIES on a closed/charge off account. I've disputed this account with XXXX XXXX, XXXX and XXXX for months. XXXX XXXX DELETED this inaccurate account. However XXXX and XXXX continue to post this account and respond as VERIFIED. Bank of America is currently reporting activities well after the CLOSED/CHARGE OFF date XX/XX/2017. Which is a VIOLATION of FCRA. 

These are the INACCURACIES reporting : 1. Past due reporting on a CLOSED account. 
2. Credit limit reporting $ xxxx on a CLOSED account. 
3. Posting a balance $ x, xxx 4. XXXX : different account # xxxxxx XXXX : different account # xxxxxxxxxxxxxxxx 5. Reporting inaccurate balance. NO VOD. 
6. I did NOT receive a response to my dispute within 30 days time line, from XXXX or XXXX. Response receive more than 45 days.

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