vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A letter for personal information correction was sent out to XXXX, XXXX, and Experian on my behalf for incorrect personal information reported on my credit report. A letter with my correct Name, Address, workplace, and state-issued ID was sent out on XX/XX/2021. XXXX  replied on XX/XX/2021 but failed to correct my personal information in completion. XXXX  and Experian failed to reply.

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 2021-06-15 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:
I have contacted Each company on many times to verify the incorrect and inaccurate information on my credit report. The following personal information is incorrect and should be removed from my credit report Previous Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -XXXX XXXX  XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX Name : XXXX XXXX XXXX The following information is not mines and should be removed. 
-XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Account Number : XXXX -Account number- XXXX -Account number- XXXX -XXXX XXXX I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and still no response or update. the following items should be investigated please removed from my credit report.

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 2021-06-15 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: NY

Complaint narrative:
Dear Experian, I am not a third party, I am a person. My name is XXXX XXXX, and I am a victim of identity theft as I have previously notified Experian

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 2021-06-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested that Experian prove to me how they " verified '' that the account with XXXX XXXX, XXXX. is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information from the creditor for their investigation of my dispute. This never happens. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point for reporting.

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 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
When we last spoke, Mr.XXXX  advised me that he would stop the interest that day. Year to date, interest has accrued monthly. All verbal communications with Reps has been void. I have not received any written communications as I have requested on every occasion, since the initial mishandling of a payment arrangement that never made their system, just verbally communicated on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give XXXX  XXXX the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with XXXX XXXX or any of their affiliates. I contacted XXXX  XXXX multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX AM at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both XXXX XXXX and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from XXXX XXXX. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are three inquiries on my credit report that do not belong to me they are not mine I have not opened these or inquired for any of these I need them off my credit asap!!! I have sent out multiple letters to bureaus and furnishers regarding this!! 

XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX  - Inquiry date : XX/XX/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 explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I asked ARS for a debt verification certified mail with return receipt and they resent me the same information without proof the debt was mine. I sent a second verification letter and they resent me the same information no change. I decided to file a case with the XXXX XXXX XXXX and they sided with me. I sent this information to ARS and they resent me the same information. I will now forward a cease and desist letter to them as well as a report to the consumer financial protection bureau.

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 2021-06-15 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: AL

Complaint narrative:
I have been battling with Equifax for over 6 months explaining that the student loans listed on my credit report for DEPT OF ED/XXXX, XXXX, XXXX, should have been deleted when you deleted the student loans for XXXX recently. I don't understand why you delete a few here a few there. I have a police report on file, identity theft reports, several previous complaints from CFPB and my complaints are closed and XXXX  does not complete the dispute process just drops the ball and I have to keep disputing until someone out there hears me & understand that this is not right. Please delete this information. Look back through my records and see how many complaints and disputes that I have filed and Equifax still reports incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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:
The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.

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 2021-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/2021 approximately XXXX XXXX to noon I contact NetSpend about a purchase that was on my card just to verify if it was just by chance that I gave authorization through the representative XXXX like what I said and posted my card as an unauthorized action and block my car at 5 to being on the phone with a representative and stop me from getting my front which I'm on vacation and XXXX Florida to go to XXXX and now I was told because you blocked my card after she apologized that she didn't mean to do it that there was nothing she can do to unblock my card and she apologized for me for the inconvenience XXXX XXXX me and emotional distress and in distress and anguish that I have to sleep in my car with no food and no buddy I've been calling NetSpend for XXXX XXXX. in the afternoon until XXXXXXXX XXXX. that diets and that I have not gotten any resolution but left with no money sleeping and my car in the parking lot of XXXX which destroyed my whole vacation after me losing my mom 's which I just wanted to go find some peace and clear my head for the tragic loss that I lost and the only thing I got for NetSpend life that they apologize for the inconvenience e and they protected the representative got made that mistake and they never fix the situation which left me and emotional distress and I am and the process of filing a lawsuit for mental distress and anguish

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 2021-06-15 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: NJ

Complaint narrative:
There are a few accounts on my credit report I do not recognize

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 2021-06-15 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: NJ

Complaint narrative:
There are a few accounts on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: NJ

Complaint narrative:
The unverified items listed below remain on my credit report in violation of XXXX XXXX. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I am a XXXX person I have state XXXX in 2017 I went to a XXXX XXXX XXXX why the XXXX was not charged and now they keep harassing me with that account if it is my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear All : On Monday, XX/XX/2021 in the afternoon, someone usurped my identity entered my online account, and affiliate in my account a beneficiary totally unknown to me and not recognized, and I make two online bank transfers : XXXX USD and XXXX USD Previously altering all the security parameters of both my account for example add a telephone number that no mine : XXXX XXXX XXXX and those of the bank, since my account did not have approval to make transfers for amounts greater than XXXX USD. 

I have been trying to formalize the complain in the bank and they do not take it from me because I am in XXXX despite having confirmed all my information by phone. 

According to the information indicated in the registry of my operations, the beneficiary of this fraud is named XXXX XXXX on behalf of XXXX, XXXX XXXX, registered in XXXX Principal AddressXXXX XXXX XXXX XXXX  XXXX, FL XXXX Please, help me to solve this fraud, this money are my savings and that of my family, I dont know what more to do! 

Best Regards 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 2021-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: MD

Complaint narrative:
I have tried to resolve and verify this debt with Receivables Management System several times, but to no avail they have not responded to my inquires. I have requested a validation of this debt thru certified mail. Most recently, I sent a letter certified mail, postmarked XX/XX/2021. They received my letter on XX/XX/2021 at XXXX XXXX XXXX. Today is XX/XX/2021 and they have failed to comply with my request. This company has never sent any documentation confirming that they are able to collect on said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am a victim of identity fraud, I never opened a credit card with capital one. I recently have been looking at my credit report, and I've tried contacting capital one multiple times stating this account was opened fraudulently in my name. This account was opened XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation