vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery associates calls me multiple times a day, every day despite repeated requests to stop calling and repeated requests to validate any debt. Portfolio claims I owe them a debt when I have never done business with this company. They will not provide me information about the original creditor, if there really is a debt. I asked one called to send me a 1692g letter and I stopped answering their calls. No validation has been sent and no debt with this company appears on my credit report. 

The first call was on XX/XX/XXXX and came from a fake number. Numbers known to belong to portfolio recovery associates have never called me. Their official phone number has never called me. All numbers are fake, spoofed and in one case, belonged to an individual who was not aware of portfolio recovery associates or any debt. They call every day, usually more than once. 1 call on XX/XX/XXXX, 4 calls on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX call on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls on XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX calls XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and so on. When answered, callers claim to be from portfolio recovery associates but will not give account details or even ask for money. Not sure if this is a real debt collector or a scam. Either way, I blocked all of these fake numbers but the calls continue using different fake/spoofed numbers. 

The purpose of this report is to gain information about any alleged debts and to make the harassing phone calls stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: AES/PHEAA
State: SC

Complaint narrative:
I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
I have sent Transunion a letter providing specific details of what I want on my personal profile because I noticed a lot of identity theft names. I have not received any information back from XXXX/XXXX/201, that they removed all names, that are not mine based on the information, I provided in my letter. I'm not sure why it's been over 30 days and even when I sent all my proof, they refuse to update and remove all times that could harm my credit report. Please have them update and remove all other items, because they were never mine and will or can cause identity theft.

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 2021-04-03 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:
I have sent Experian a letter providing specific details of what I want on my personal profile because I noticed a lot of identity theft names, addresses, and employers. I have not received any information back from XX/XX/XXXX, that they removed all names, addresses, places of employment that are not mine based on the information, I provided in my letter. I'm not sure why it's been over 30 days and even when I sent all my proof, they refuse to update and remove all times that could harm my credit report. 

Please have them update and remove all other items, because they were never mine and will or can cause identity theft.

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 2021-04-03 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: NY

Complaint narrative:
*Account XXXX XXXX XXXX XXXX i submitted a complaint regarding this issue before XXXX was able to investigate and removed the information because it was incorrect/inaccurate unverifiable information reported to my report. Also the account is showing a balance in XXXX and XXXX which if it is a charge off or collection there shouldn't be a balance so I am not sure where they are verifying this information.. I am requesting that this inaccurate account and information be deleted off my report immediately. I disputed with XXXX they send me investigation results on another total different account. I disputed with Experian it came back verified which i contacted the creditor ( XXXX ) and they specifically said they have no record of my information in their system to contact the bureaus. I'm not sure how XXXX was able to rectify the issue but XXXX and Experian are not doing their investigation properly and sending this back with a total different account dispute information. When I call the bureau they are telling me they don't have a copy of my complaints when I know it was submitted.

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 2021-04-03 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: SC

Complaint narrative:
I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )

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 2021-04-03 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: SC

Complaint narrative:
I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: SC

Complaint narrative:
I have gone back and forth with the creditor but my reported information is not being reported accurately and to the fullest. information is being report differently among all CRAs which is a violation of Furnisher Rule 660.4 ( a )

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 2021-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI
State: GA

Complaint narrative:
I was not given notification to dispute this debt. Not only that, on my credit report because I reached out to them directly, told me that they had to speak to my school regarding the matter. That was false information they were telling me as they are reporting as of XXXX XXXX that I owe XXXX when in fact I have a letterhead from the school directly saying I owe nothing on the account and I received the letterhead before the date of XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I was a co signer on a XXXX car loan. The credit agency shows the account listed twice on my credit report instead of once. Then, it shows I was 60 days past due and theres no data for any payments I made from XXXX until XXXX & XXXX. I was not 60 days late and I paid the entire loan off. I would like the information to be updated to show my payments made correctly every month for XXXX and for the account to be listed once not twice and to be shown as the loan is paid off. The reported no data and missed payments and days behind is all listed wrong under XXXX XXXX and XXXX XXXX. ( The other person on the loan ) please correct this info so I can purchase a home. 21 late payments & 60 days past due is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: FL

Complaint narrative:
I have provided my information to XXXX they told me 48 hours. Nothing has happened it has been over 2 weeks. What is going on? 
XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
On XX/XX/2020 I paid a debt to XXXX XXXX XXXX  XXXX in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from Credit Control LLC for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.

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 2021-04-03 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it XXXX any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03 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: CA

Complaint narrative:
XXXX XXXX XXXX IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CA

Complaint narrative:
XXXX XXXX XXXX  IS ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE PLEASE REMOVE THEM OFF.

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 2021-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2021 Fee putting my account in negative {$11.00} I am not paying anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

7. XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED XXXX 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. CXXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
At XXXX XXXX  on Monday, XX/XX/2021 I saw a amount of {$1.00} deducted from my checking account by a XXXX, XXXX, via a transaction. I called Bank of America customer service that evening and was told that the charge had been reversed because the bank recognized it as a FRAUDULENT transaction that should not occur again. 

THIS IS A FRAUDUDEULENT TRANSACTION I HAVE NOT GIVEN MY DEBIT CARD NUMBER TO THIS ENTITY. IT IS A FOREIGN ENTITY, AND WHEN I WAS ABLE TO OPEN THE TRANSACTION, THERE IS NO PHONE NUMBER. I CAN NOT CALL A FOREIGN COUNTRY EVEN IF A HAD A PHONE NUMBER. 

On Wednesday XX/XX/XXXX, I saw another transaction from XXXX, XXXX, for {$11.00}. I called Bank of America customer service and was told that the bank had neglected to place the entity XXXX, XXXX, on a fraud list to prevent additional transaction. The transaction was processing, so I could not dispute it myself, nor could I see any information about the source. 

I CAN NOT USE XXXX BECAUSE I HAVE AN ANLOG TV. I DO NO KNOW WHO THIS ENTITY IS. I HAVE NOT GIVEN NT DEBIT NUMBER TO THIS FOREIGN ENTITY. 

On Wednesday I requested my debit card be cancelled. It was supposed to arrive on Friday, XX/XX/XXXX. I still do not have a debit card on Saturday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX, the {$11.00} transaction had posted and there was a second transaction for {$.00}. 

When I tried to call customer service on XX/XX/XXXX, they refused to take my calls because I did not have my new debit card. I did not have the new CVC, so they refused to validate me. They asked for my passport number, my 9 digit Federal ID, etc., treating me with disrespect and refusing to do anything to protect my account from unauthorized withdrawals. 

On Wednesday I requested my debit card be cancelled. It was supposed to arrive on Friday. As of Saturday am, I still have not received my new debit. When I try to call customer service the phone system demands the pin on the new card I have not received. Therefore any phone calls to customer service are treated as a fraud. 

THE BANK WILL CONTINUE TO ACCEPT FRAUDULENT WITHDRAWALS from my account because it has decided that I myself or a family member has given my debit card number to this entity. 

BANK OF AMERICA IS NOT PROTECTING ME FROM FRAUDULENT TRANSACTIONS. ITS CUSTOMER SERVICE REFUSE TO ACKNOLEDGE ME AS A CUTOMER, HANG UP ON ME, AND HARASS ME WITH ENDLESS QUESTIONS.

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 2021-04-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase does not want to take responsibility for fraud on my account after i placed a fraud alert for money hacked and stolen and they did not do anything about it. Chase even sent me a letter stating if my account was ever compromised they would tranfer my funds to another account suspiciously months prior to the theft as if they already knew it would happen and still never did anything at all and left my account like that. I did not recieve anything in the mail from them. They are liars and owe me money. Their employees are theives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX will not remove the Information from my report after it was agreed that they would close account and remove trade-lines off my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2020 I paid a debt to Macy 's Department Store in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from XXXX XXXX XXXX for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.

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