vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: PA

Complaint narrative:
Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: PA

Complaint narrative:
Hello, XXXX Bless you all. My identity has been misused by criminals. I am a victim of identity theft. I have literally been feeling the pain of not being able to used my credit from accounts that were used without my consent. My life has took such a turn around in a negative way. I have kids who depend on me for a house and just like that I am being violated by the fraudulent accounts on my report. This can not go on no longer, I have did my research and you are suppose to protect me as a consumer. There have been so many data breaches in the last couple of years with your companies that could have effected my personal information being leaked and hacked although I am not accusing you we must understand what has taken place. My identity was stolen and I have multiple accounts that aren't mine. Doing my research I have seen that the FCRA 15 U.S.C. 605 B 1681 c2 that the accounts violate the law and have to be removed immediately, these accounts can not be validated because there are not mine so please Ive heard you try to verify them with the creditor but since my identity was stolen they will try to verify it as true which is inaccurate. As a consumer protect me from these companies who will say it was my doing when in fact I never had nothing to do with it and I am a victim. I do not want to go back and fourth with something that is not mine please fix this and protect my family from being homeless. I have filed a FTC report, Identity theft affidavit, proof of address, and a letter showing that I am disputing these accounts. Protect me as a consumer and give justice.

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 2021-07-13 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: ERC
State: TN

Complaint narrative:
I have paid off the debts and they refuse to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
its the data hackers that try to think Im XXXX  : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX M XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -

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 2021-07-13 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:
its the data hackers that try to think Im stupid : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My drivers license was recently stolen and I have an older XXXX  drivers license that expired in XXXX  it has the same drivers license number as my current one that was stolen. Before I visited the branch at XXXX XXXX XXXX XXXX I called customer service who said I could deposit money with out a current ID if Im the account owner. When I went to the branch in XXXX XXXX XXXX located in XXXX California they refused to let me access my account which is over drawn even though I had a social security card and bank statement and expired ID card. My account is overdrawn yet the branch would not let me deposit money my son is a beneficiary and supposed to be able to access my account he had his ID and the branch manager said he can not access my account even though he is a beneficiary. What good does it to add a beneficiary if they cant access the account? The phone number to this bank is XXXX. Im guessing that this Wells Fargo branch does not value me as a customer denying me access to my own account. When I called customer service they said the branch manager had discretion to accept an expired state ID. I was trying to deposit cash not withdraw money I almost suspect discrimination and prejudice by the bank as they acted unreasonable. Please investigate Im locked out of own account and the bank lied to me and refused service. This branch I would only give 1 out 5 stars. Please investigate.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY NAVY FEDERAL CREDIT UNION XXXX CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK

Complaint narrative:
XXXX, I use https : XXXX ( XXXX by East West Bank ) . 

I use my XXXX  bank account transfer XXXX to another velo bank account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. 

Both the payee and the payers velo bank account were frozen {$6000.00} XXXX later, I recharged my bank account, so there is enough balance to frozen ). 

So far, one year have passed and the remittance status has not yet been confirmed. 

Bank still tell me wait. I have been waiting for the bill confirmation for one year, but I still haven't waited. Bank have never told me the exact confirmation time. I really have no patience to continue waiting. I hope the company can help me solve this problem, otherwise I can only complain over and over again.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On or about XX/XX/XXXX, I had to pay rent and went to withdraw my saved up unemployment benefits on Nevada Bank of America Unemployment Card. I received the error message " Tech Error ''. Contacted Bank of America and was told call Nevada DETR- call Nevada DETR several times stated DETR did not close account, you must verify your identity with ID.me online- Add identity info and still waiting as of today for a solution. I NEED MY MONEY NOW!! I fax BOA Resolution desk with this complaint- BOA need to transfer my government unemployment balance to my XXXX XXXXXXXX XXXX  with direct deposit notice given and sign. I CAN NOT USE BOA UI CARD - THE CARD IS CLOSE AND I CAN EVEN ACCESS BOA UI ONLINE FOR TRUE BALANCE! TRANSFER Balance NOW! 

Nevada Unemployment Insurance Debit Card - Home Page XXXX XXXX What's happening : As of XX/XX/2021, your Bank of America debit card will no longer receive deposits from the NV DETR. Your Bank of America card account will remain active until XX/XX/2021. What you need to do : Prior to XX/XX/2021, you may continue to use your card. If your card expires after XX/XX/2021 it will not be reissued.

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 2021-07-13 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: NY

Complaint narrative:
Transunion still making several violations to my credit and doing this by all impunity and not doing any investigation Putting inaccurate information in my credit report over and over and acting like a dictator

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 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX. I opened an account with Chase. I opened the account on line. About 2 weeks after the account was opened I tried to transfer money to my account and was not allowed to. I contacted Chase customer service. ( Chase did not have the decency to contact me about this event despite having my e-mail, telephone number and address, ) I waited on hold for 45 minutes and finally was able to speak to a customer service rep. The rep informed me that his department did not handle my issue and transferred me to another department. I waited on hold again for around 30 minutes. When that rep answered the phone they told me their department was not handling that problem and transferred me to another department. I waited on hold for another 45 minutes. Finally the person who answered told me Chase was closing my account because my " E-mail was suspicious ''. When I asked what they meant by suspicious I was told they could not tell me. Now my account is closed. I am on a fixed income ( I make less than {$800.00} a month ) I cant pay any of my bills from that account. I cant get a logical explanation out of Chase as to what : Suspicious E-mail means. I wonder if their mothers know how shamefully Chase treats poor senor citizens. I am XXXX XXXX XXXX and have never committed a crime and I am being told my e-mail is suspicious?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation
State: GA

Complaint narrative:
On XXXX XXXX collector name XXXX XXXX sent me a letter stating I owe a debt of balance of {$5400.00} via mail. This letter had several violations. Heres a list 15 USC 1692d ( 2 ) fee {$500.00} Quality 2 15 USC 1692e ( 2 ) ( A ) fee {$500.00} Quality 1 15 USC 1605 ( A ) fee {$500.00} Quality 2 15 USC 1692f ( 1 ) fee {$500.00} Quality 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: CO

Complaint narrative:
I am being incorrectly reported as 60 days late on my Equifax report for XXXX, XXXX for XXXX XXXX account ending in XXXX. That month was deferred, read my supporting documentation. Nowhere in the agreement for XXXX, XXXX and XX/XX/XXXX does it state that XX/XX/XXXX would be reported late, because if you look at my payment log I obtained on my account on the XXXX XXXX site, XX/XX/XXXX was deferred. I owe {$11000.00}, 6 months were deferred, add my principal paid and minus from my original {$15000.00} loan it is {$11000.00}. I was deferred XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. They are lying. I am also being reported twice with the same account with XXXX XXXX on my Equifax report. I have 5 installments accounts listed and really I have 4, Equifax reported XXXX XXXX twice. All the documentation to support the above issues are attached. I have also attached XXXX XXXX  XXXX policy, which I have been affected from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is trying to get away with saying if an agreement is broken, which they are claiming mine was, it was not it was bank error. XXXX XXXX XXXXXXXX does not write letters of error as of XXXX due to liability reasons. That XXXX XXXX is saying the XXXX statement is linked to the agreement, it is not in the legal binding agreement. I was affected directly by a XXXX disaster until I received my XXXX shot XXXX XX/XX/XXXX. XXXX XXXX is directly contradicting their own website on XXXX and lying by saying according to the terms of the agreement, the XXXX statement would be taken off if the contract was broken, that is NOT in the contract. It should stay on my credit report from XX/XX/XXXX to XX/XX/XXXX. READ ALL ATTACHMENTS THIS TIME AND I WANT ALL PAPERS LOOKED AT AND MY REPORT CHANGED. I HAVE BEEN FIGHTING THIS FOR 7 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel as if Im being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
This accounts is reporting as a collection and is showing payment history. Also a 1 month term which is not applicable. They also keep updating my balance every Month. Wrong details on credit report and not properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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:
I had a balance of {$360.00} that I paid all the way off. The company experian updated the wrong information after I had disputed the balance reflected was wrong because I paid it off. I even uploaded the balance paid thank you from a screenshot. The account was in good standing and still is in good standing but not for long. They updated the information putting a previous balance of {$160.00} on it and changing my {$0.00} balance ( that had been updated by the company at the same time the dispute was being investigated ) to reflect {$360.00} again. My balance should be {$0.00} not {$360.00}. Im trying to buy a house and its not looking too good with this on my report. It makes me look irresponsible.

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 2021-07-13 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: MD

Complaint narrative:
Equifax continues to list a settled account on my report as Charged Off. States that the creditor has verified this information, however I have a paid in full notice from the creditor XXXX XXXX XXXX  Equifax Online Dispute Center has not allowed me to upload my supporting documents due to technical difficulties with their website not accepting uploads, thus, hindering my dispute from being resolved. Both XXXX  and XXXX XXXX are listing the status of the same account correctly as legally paid in full, but Equifax has refused to do so. I have placed this account in dispute with Equifax 3x with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of this year my credit card was used in XXXX XXXX, I do not have the exact information where it was used, I have charges for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX roses XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, foreing currency fee XXXX, adjustments XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: GA

Complaint narrative:
After seeing my credit report I found items in there that are inaccurately reporting. The Congress grant me the rights to dispute and correct what i know is erroneous from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
nd where did they get the figure its a very general letter no specifics the debt collectors name XXXX XXXX the company is Portfolio recovery associates llc the amount from what i can see is for XXXX dollars USA currency

Company response to consumer: Closed with explanation