vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( XXXX XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched Experian Dispute XXXX  has Certified to Experian that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!

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 2020-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove  these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX  XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 ) XXXX XXXX XXXX XXXXt {$63000.00} 12 ) XXXX XXXX XXXX XXXX {$20000.00} 13 ) XXXX XXXX XXXX XXXX {$42000.00}

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I am a XXXX XXXX veteran with a XXXX XXXX  XXXX rating. Medical data systems has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.

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 2020-03-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX  XXXX  {$21000.00} 10 ) Missouri Div XXXX XXXX {$6000.00} 11 ) Missouri Div XXXX XXXX   {$63000.00} 12 ) Missouri Div XXXX XXXX {$20000.00} 13 ) Missouri Div XXXX  XXXX {$42000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my XXXX. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX Formerly XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX XXXX   {$21000.00} 10 ) XXXX XXXX XXXX XXXX {$6000.00} 11 )  XXXX XXXX XXXX XXXX  {$63000.00} 12 ) XXXX XXXX XXXX XXXX  {$20000.00} 13 ) XXXX XXXX XXXX XXXX   {$42000.00}

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America prepaid debit card for my unemployment benefits. When I first inquired about where the card was I was told I was going to have to wait about 3 weeks to receive it. I asked if there's anyway to get it sooner as I have been unemployed for a month & ' am completely broke. The woman I spoke to said she can have a card expedited to me & '  it would be here within 3 business days but I had to pay {$10.00}. So I agreed because I have bills to pay, kids to feed. Well the following day I received a the card I was suppose to wait 3 weeks for. I was charged {$10.00} & ' sent another card. Had the woman said a card was on its way I would've waited. You don't think that's a lot of money until you're living off {$220.00} weekly. EVERY-TIME I'm logging into my online account my identity information isn't correct. Calling the bank is a hassle, waiting 45 minutes up to an hour to talk to someone who keeps repeating themselves, not answering your questions or helping you what so ever gets frustrating. So I found out I can have the money transferred into my personal bank account. So I'm setting everything up after having to call in again for assistance because once again my identity can't be verified. I'm told I have to wait THREE business days for the bank to verify my personal account then an additional TWO business days for the funds to be transferred. On top of waiting FIVE business days for the funds to be moved I can't use my card or it will cause the transfer to fail. I don't understand what exactly the bank needs to " verify '' with my personal account & ' why it takes 3 days to do so. BUT in case of emergency I can have funds transferred immediately for a {$15.00} fee!!!!

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 2020-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I received a collection notice from Receivable Solutions , Inc . This agency is attempting to collect on two combined medical bills ( {$880.00} & {$1000.00} ) owed to XXXX XXXX XXXX. 

Since I applied for medical financial assistance, and awaiting approval, I was informed by XXXX ( XXXX XXXX XXXX ) and the billing department to pay at minimum {$5.00} on the bills to prevent to going to collection. I paid on both combined bills in XXXX., XXXX., and XX/XX/2020. The checks in XXXX. and XXXX. were cashed/accepted as payments. 

Besides the fact that the amount of the bills the agency is attempting to collect are inaccurate, these bills shouldn't be in collection in accordance to XXXX XXXX payment agreement and the Fair Debt Collection Act ( exceeds the amount owed ). XXXX XXXX shouldn't have sent the bills to Receivable Solutions. This complaint is against XXXX XXXX Billing Departments as well as Receivable Solutions. 

Please also see attached copies of checks and agency 's collection letters. I also taped recorded every conversation with XXXX XXXX employees regarding the bills, which can be shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I am a XXXX XXXX veteran with a XXXX XXXX XXXXXXXX rating. XXXX XXXX XXXX has continued to place collection accounts on my credit reports. Some have been removed and replaced with different amounts and some placed on other credit reports with different credit bureaus. I have disputed the same accounts so many times that I no longer have the option to dispute them with the credit bureaus. Please any help with this matter would be great.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
What happened? 
the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I tried to access my bank of America sole account online due to transactions stated on the XXXX number I needed to dispute. The charges were stated differently and inaccurately as I have reported in the past to both boa and the cfpb. I have attached the 3 change in passcode attempts I tried under my user ID authorized by me as ONLY XXXX the 1 bank of America email states security alert Some one looked up your user of and the second one states my passcode was changed. 
AFTER 3 ATTEMPTS I still could not access my sole XXXX account with BOA. I THEN TRIED A FOURTH time and a screen came up which I have attached to this complaint it STATED MY USER ID WAS XXXX Who changed my user ID to my sole boa account is my question? I received a boa email inXX/XX/2020 and called the number because I changed my passcode not my user of ... they confirmed my user of was XXXX ... .Also was BOA GOING TO NOTIFY. ME THE OWNER OF THIS SOLE ACCOUNT OF THE CHANGE.??? WHO DECIDED ON MY NAME THIS TIME?? BOA OR MY UNKNOWN IDENTITY THEIF ( MY identity theft is registered with the FTC # XXXX ) MY US LEGAL NAME IS XXXX XXXX XXXX XXXX XXXX AND NOT XXXX XXXX XXXX XXXX XXXX. 
SO IT said to enter a new passcode and reenter and confirm but then it said they do match and then it said ..I DID 3 TIMES BUT IT STATED CAN NOT COMPLETE. SO again I am denied my civil rights to access my bank of America account to dispute the stated charges on the XXXX recorded line. I have saved the recordings and they clearly contradict and miscalculated my balance. I will follow up

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 2020-03-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
What happened? the credit bureaus has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. the credit bureaus has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. The credit bureaus failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile. PLEASE IMMEDIATLELY PERMANENETLY DELETE THE FOLOWING ACCOUNTS AND INQUIRIES FROM MY CREDIT PROFILE UNDER THE FCRA SECTION 609, SECTION 605B, SECTION 611, AND FCDPA SECTION 809

Company response to consumer: Closed with explanation