vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was contacted on XX/XX/2021 by individual, " XXXX XXXX, '' representing himself as XXXX with XXXX  ( digital currency provider ). He stated that their system indicated my bank account had been compromised, and that he was going to help me resolve the problem. He proceeded to have me download software onto my device which he then used to enter my bank account. He spoke very fast, professionally reassuring me that he was saving my account, performing activities in my account so fast that I could not follow. While he was reassuring me he was saving me from fraud, he was sending my money through XXXX, actually stealing {$6000.00} under my nose. 
I was notified by Bank of America of the fraud, told they intercepted the exchange, and that they had my money, all was well. 
On this date, XX/XX/2021, Bank of America informed me that my claim was being denied due to lack of evidence, that my money would not be returned unless I provided evidence of " spoofing or porting. '' My phone provider, XXXX, can not offer that information. 
I have filed a consumer report with the FTC, which then also referred me to this website. 
I would appreciate any help at all. 
Thank you. 
XXXX XXXX XXXX e-mail : XXXX 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 monetary relief
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
A garnishment suit and was taken against me about a debt from XX/XX/XXXX to XXXX that I never knew anything about. An email do the suit was sent to me from my employer In early XX/XX/XXXX about wages being garnished on next pay check. Claim was taken out from XXXX XXXX XXXX XXXX who claim that they couldnt give me much info because I obtained counsel from my employer which I nor my employer knew nothing about. To gain anymore info about the debt, I reached out to Unifund CCR Partners who gave me as much info as they could. Firm representative XXXX told me the debt was from XX/XX/XXXX and payments were made up until XXXX. The debt is almost 20 years old and I dont believe it to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
Sequium is an LLC in Georgia that is essentially a credit pirate. Back in XXXX they showed up on my credit report as a delinquent account. Upon contacting them I found out that I owed {$1100.00} on my XXXX XXXX  account that was overdue. Sequium said that they had been contracted by XXXX XXXX XXXX to collect. The funny thing is that Ive never had an XXXX & T account. 

I contacted XXXX XXXX XXXX and according to the account representative I spoke with, they do not do business with Sequium. Ive contacted Sequium numeros times. You can not reach a manager of any type. Additionally, their representatives are clearly trained to say anything to get a payment out of you. One rep I spoke to said to me Look, whether or not this is your bill, for {$1100.00} I can get this delinquency off your credit report. 

Clearly Sequium is not only an illegitimate business, but an illegal business - willfully and knowingly breaking many state and federal lays

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed a letter on XX/XX/2021 that the Bureau was reporting inaccurate information in my credit report. Please investigate and promptly remove inaccurate, incomplete, or unverifiable accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Delinquent student loan accounts that has a {$0.00} balance, Open accounts Payment data history does not coincide on any accounts, Revolving account creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase did not issue a free night certificate to my account as promised in the letter attached. XXXX XXXX from their MO Customer Service promised the second would be deposited within 8 weeks, but another at Chase claimed otherwise!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: GA

Complaint narrative:
Department of Ed/XXXX XXXX All of the loans they have on my credit report I believe belong to someone else. 

Please provide ORIGINAL documentation or remove them from my credit report immediately. I have no recollection of these loans and also how is a loan on-time in payments then all of a sudden 120 days late. Impossible, proper notice should have been given before notifying an individual of something being 120 days late. 

This is ridiculous, please assist. 

Thank you.

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 2021-06-14 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/XXXX my bank sent the pay off to Kia to payoff my lease and purchase the car. I mailed in the Odometer statement to the address provided on the statement. On XX/XX/XXXX I received a letter in the mail with a Bill of Sale I needed to sign and a place to fax it too. ( Please see original letter ) I faxed it to the number on the letter on XX/XX/XXXX ( see first fax receipt ). On XX/XX/XXXX I received notice from my bank, the new lien holder, that I needed to provide proof of insurance. However, I can not do this until I receive the title and can register the car in my name. On XX/XX/XXXX I called Kia and spoke with a customer service rep who said it had not been received and I should fax it to a different number XXXX XXXX XXXX XXXX. I did this immediately ( please see second fax receipt ). 

Today, XX/XX/XXXX, I called Kia again to confirm the bill of sale had be received. The customer service rep said it had not been. I asked to speak with a supervisor. The supervisor informed that I needed to send it to the XXXX XXXX XXXX XXXX fax number. When I told her I have a receipt that I did so and I needed the title immediately since I had to get the car registered as I can not drive it currently without. I asked her what I needed to do to get the Bill of Sale send over immediately. She told me there was nothing she could go and told me she was terminating our phone call. 

My car has been paid off since XX/XX/XXXX and Kia is refusing to send me the title. I can not drive my car and have had to walk to work for over a month now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'M HAVING ISSUES WITH EXPERIAN REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT HAS BEEN REMOVED FROM THE OTHER TWO BUREAUS

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 2021-06-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.

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 2021-06-14 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: TX

Complaint narrative:
Need to remove all negative and unanswered items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Suburban Credit Corporation
State: MD

Complaint narrative:
I received XXXX  from XXXX XXXX ( XXXX ) on XX/XX/XXXX. This company at the time outsourced billing to XXXX XXXX XXXX ( XXXX ). The billing agency said they sent an invoice to my home address on XX/XX/XXXX, that they were told it was a bad address, and then referred the matter to a collection agency. 

I was living at my home address in XX/XX/XXXX, then moved during the pandemic and returned in XX/XX/XXXX. In XXXX, I received a collection notice from Suburban Credit Corp. 
This was the first time I was aware that I had a balance of {$98.00} -- I had never received an email, a call, or a postal letter. 
Suburban Credit Corporation said they had reported my lack of payment to the reporting agencies in XX/XX/XXXX. To update the reporting agencies on what really happened, the collection agency said I needed to take it up directly with XXXX XXXX -- I can not reach anyone to help at this company. XXXX XXXX XXXX says it no longer works as they billing entity to for XXXX XXXX, they too referred me back to XXXX XXXX -- but they have no contact information. 

My credit may have been harmed. I want XXXX XXXX to update the reporting agencies as they NEVER contacted me about an invoice for {$98.00}. I paid the collection agency this sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the complaint in continuation to an ongoing Complaint under Id XXXX. Following XXXX XXXX suggestion on getting in touch with my Credit Advisor aka my bank WELLS FARGO. I had contacted their XXXX XXXX department at number XXXX on XX/XX/2021. I explained the issue to them on what information do they share to the bureau and why my score has been dropping constantly instead WELLS FARGO informed me that I need to get in touch with a Financial Advisor. When I asked for more information - Are they XXXX? Do they have any names I could go to for this info.? Do I find them via XXXX search? Are they 3rd party? 
WELLS FARGO representative had no definite answers and left me more clueless than I had been when I first called. Their answer was they report on time payment info to the bureaus and rest is between the bureaus and the financial advisor. 

How do I navigate from here to learn about my own score calculations?

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 2021-06-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: FL

Complaint narrative:
I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies XXXX and Equifax told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the Equifax system as frozen after it was disputed, it was explained to me by Equifax customer service this wasn't done by them that XXXX  / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXX XXXX  questioning this and got nowhere with them, XXXX is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.

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 2021-06-14 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: CBC Companies, Inc.
State: IL

Complaint narrative:
The response from XXXX  XXXX XXXX is false. XXXX  stated several times that they never received any response from XXXX XXXX XXXX or FACTUAL DATA to remove this Hard Inquiry from my credit report that was requested by XXXX XXXX in the first place. There have been no documents given to me showing that Transunion was notified of the hard Inquiry from XXXX XXXX XXXX or FACTUAL DATA. 
I have also Been Harassed by XXXX XXXX with Text messages and repeated Phone calls all different times of the day and night. This company XXXX XXXX has harassed me and damaged my Credit report regarding a loan I did not authorized or request. XXXX XXXX has not done all that could have been done to correct the Hard Inquiry in my credit report. Then harass me on top of it. Then threaten me in a letter stating that if I file further complaints, it would be marked as a duplicate when my Issue is still unresolved. The issue is still not resolved and I plan to exercise my legal right against XXXX XXXX. I will also be filing complaints with the Attorney General as well. Unresolved prior complaint below. 


I have reached out to factual data to remove a hard inquiry from my credit report on XX/XX/2021 that I did not request or authorize. Factual Data claim to have sent a request to the credit reporting agencies to remove the inquiry. This a hard inquiry in my credit file. I have provided requested information to factual data and XXXX XXXX that I did not authorize any loans with XXXX  XXXX Then I was informed it would be removed, and it has not. Factual Data and XXXX XXXX is responsible for this issue, and it seems that someone intentionally requested a Mortgage using my name, and Identity which is fraud. Factual data and XXXX XXXX also failed to validate my personal information that was used without my authorization or consent. The Hard Inquiry from XXXX XXXX XXXX via FACTUAL DATA is still in my XXXX  credit report. I was informed in the attached letter from XXXX  XXXX, that it could take 90 days. It has been more than 120 days because my Dispute was filed in XX/XX/2021 and it's still not removed from my XXXX  credit Report. I also attached my police report as well. I'm requesting this hard inquiry to be removed from my credit Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14 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: TX

Complaint narrative:
I disputed multiple accounts due to invalid inaccurate information reporting. Although the investigation is still in progress, Equifax has sent a response for some of the items listed in my previous dispute/complaint. 

An account on my credit report listed as " XXXX XXXX '' is listed with multiple DATES OF LAST ACTIVITY. Again, this can not be verified or accurate as the DATE OF LAST ACTIVITY should be the same on ALL bureaus as this date determines when the account should be REMOVED from my report. Equifax stated, " it verified this account and all non paid collections will remain on my credit report for 7 years. '' See response attachment. See copy of report with multiple invalid dates listed. Equifax FAILED to provide me with the METHODS OF VERIFICATION. I have requested multiple times that ALL DETAILED METHODS OF VERIFICATION be sent to me as proof that this account was VERIFIED. Verification methods other than the flawed system E-OSCAR and no proof has been sent. I am requesting AGAIN, that all non verified items be DELETED ASAP. Please DO NOT CLOSE THIS COMPLAINT OFF OF A GENERIC RESPONSE. I would like this account properly handled. Thank you for all of your help.

Company response to consumer: Closed with explanation