vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was 750 miles from home when Bank of America, my credit card company, called my home and stated my credit card will be blocked, because of unusual activity. I was given a number to call. My flat mate called me and gave me the message and number. I was on the freeway in Southern California. I pulled off the freeway and called. I explained that I was traveling. I was transferred to another person. She told me that she would text me a code. I asked if we got disconnected what would happen. She told me she would call me back. I did get disconnected. She never called back. I was on the way to a business meeting. Sitting on the freeway trying to resolve this for 1 hour caused me to miss my meeting. No one was able to resolve the problem. I spoke to 7 different people. Bank of America is my only credit card. How was I supposed to get home with out a credit card to buy fuel, rent a room and meals if it was blocked. I did not get a positive resolution until 36 hours later. I missed my meeting, did not have a hotel room or meals. As it turned out it was a maybe block Bank of America put me through unnecessary stress, cause me {$600.00} in travel expense for nothing. I told everyone I spoke to I was on a business trip. 
All they needed was to ask me for my code words.

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 2022-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by Experian is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, XXXX and this criminal company Experian MUST NOT list my personal phone number in my credit report at all

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Hello. I have been banking with chime for multiple months until XX/XX/XXXX of this year, when they notified me my account would be closed. They asked for documentation to re open my account which I promptly cooperated and submitted everything. About a day later they notified me my account would remain closed and my funds would be seized. They didnt tell me why and now its been 2 months and they wont respond, they just keep saying it will be brought to an account specialist This is criminal, this is disgusting and it is illegal, it clearly violates the consumer act. 
I have done some research and it shows this is a common occurrence by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This XXXX account is not mines. This account has been disputed and deleted from XXXX and XXXX. It is still showing up in my profile. 
Please delete from Experian. 

XXXX XXXX NO PHONE NUMBER NO ACCOUNT NUMBER NO PAYMENT HISTORY NO CONTRACT NO PROOF OF VALIDATION PLEASE DELETE FROM MY.CREDIT FILE

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: UPGRADE, INC.
State: OH

Complaint narrative:
Since XX/XX/2022, someone has tried to submit an application to get Ohio Unemployment in my name. They have applied for credit cards in my name to ( 1 ) Upgrade ; and ( 2 ) XXXX XXXX. They currently have my email account frozen as someone tried to access my email to gain info about the above two credit card attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: MS

Complaint narrative:
FLAGSHIP CREDIT ACCEPTANCE is in direct violation of my consumer rights according to the FDCPA and FCRA. FLAGSHIP is reporting a debt that I legally do not owe. They are illegally furnishing data to the consumer reporting agencies which is a direct violation of 15 USC 1681s-2. Debt can not be reported if it's in fact income. FLAGSHIP CREDIT ACCEPTANCE is reporting the debt as being charged off and this is now considered to be a tax deduction for them filed by the SECRETARY of their company, and this makes this income for me according to the IRS. A consumer report does not contain income because it's a violation of privacy. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. FLAGSHIP CREDIT ACCEPTANCE has not issued my a 1099-C according to the IRS.

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 2022-03-20 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: CA

Complaint narrative:
XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, Transunion, XXXX and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all

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 2022-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, Equifax and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MD

Complaint narrative:
Please see the attached forms. I have been calling all XXXX, Equifax and XXXX and they have not been very helpful. I have inaccurate information on my credit report and I would like for all inquires and derogatory marks to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv funding LLC is claiming I owe {$1600.00} for a debt that I have no knowledge of I have sent them certified letters starting the first one sign for XX/XX/XXXX to validate this debt and they have yet to send me anything bearing my signature they sent me an itemized bill or something or another on that lines very very fine print that I don't believe that's acceptable is to verify they have not sent me anything and it's been over 30 days I want it removed from my credit report the other letter that I sent them they signed for on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Someone opened up a account with Capital One, I contacted them and reported fraud and they closed the account opened. I want this off my credit bureau report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB Collection Agency XXXX XXXX XXXX Acct # XXXX in the amount of {XXXX} has placed erroneous details on my consumer credit report, in which is currently causing me collateral damages for an investment deal in the amount of {XXXX}. UCC-9 Part 6 ( 9-625 ) REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPL WITH ARTICLE. 
( a ) Judicial orders concerning noncompliance. 
( b ) Damages for non compliance states subjects to subsections ( c ), ( d ) and ( f ) a person is liable for damages in the amount of ANY loss caused by a failure to comply NCB and XXXX failed to provide me with proof of receipt of the pre-sale letter advising the vehicle is being sold in a public/private sector/auction. 

15 U.S. Code 1681 ( a ) Fair Credit Reporting Act # 2 exclusions 15 U.S. Code 1605 Truth in Lending Act Finance Charges includes an insurance premium that covers a lender if a obligor defaults or other credit loss is embedded in the finance charges. NCB and XXXX XXXX XXXX list the alleged debt as charge-off/collection inaccurate reporting ; a charge-off is a cancelled debt therefore XXXX collected the insurance premiums, list the account as a charge-off, which means XXXX XXXX XXXX not only collected the insurance but also got a tax deduction, then further went to sell this alleged debt to a debt collection agency ( NCB ) or debt buyer which means XXXX  got paid 3x on this alleged debt not to mention insurance and tax fraud. I will pursue remedy for collateral damages on this current real estate investment deal and any other future real estate investment deal after resulting in denial due to this inaccurate reporting on my consumer report by NCB and XXXX XXXX XXXX until this account is deleted and removed from my consumer report. Inaccurate and erroneous reporting 15 U.S. Code 1681b permissible purposes of consumer reports.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requesting cease and desist the reporting of incorrect/inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo, Thank you for your response to my concerns due to my identity theft report to the Internal Revenue Service. As you know, they will be requiring proof of filed forms for this said account. 
Part of the identity theft report is in response to filing a 1099-OID form and the unauthorized filing of this form for this XXXX account . 
This has not been mentioned by XXXX XXXX - the executive office case specialist or by the Claims Assistance Center. 

Both XXXX XXXX and the Claims Assistance Center have failed to respond to the question of; was a 1099-oid filled for this account? The grantor and beneficiary of this account is XXXX XXXX and Wells Fargo giving fiduciary responsibility to act in the best interest and benefit for XXXX XXXX. Wells Fargo was not given authorization to file this said form to the Internal Revenue Service. All actions taken for this account, are to be for the benefit of XXXX XXXX. Continuing to report the account as delinquent is a direct disservice to me and has harmed my ability to extend credit. 

The Claims Assistance Center sent a letter dated XX/XX/XXXX which I have attached. I have not claimed to need any temporary credit to this account. There should not be any activity on this account since it was Charged OfXXXX XX/XX/XXXX. This account is scheduled to be deleted from all consumer reporting agencies in XXXX and any activity to the account can restart that deletion. I want to be CLEAR that I did not submit a claim in the affidavit to credit this account. There has been no activity authorized by me to this account and therefore has been done fraudulently. 

Please note that the response to the affidavit was not a rebuttal therefore is a non response. 

Moving forward, all correspondence is to be responded through CFPB.gov, please cease and desist any and all communication through the mail, phone and consumer reporting agencies, unless it is for monetary compensation. If you continue to communicate with XXXX XXXX or XXXX XXXX through these mediums, violation scheduled fees will be applied and billed to Wells Fargo. 

XXXX XXXX XXXX XXXX  ) - this attachment was unable to be opened. You may resend this message if it is important. ( 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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MO

Complaint narrative:
Unathorized " XXXX  '' transactions were taken ( XX/XX/XXXX ) through a phishing scam ( {$1000.00}, {$1000.00}, {$1000.00}, and {$500.00} ). The bank was contacted no more than 10 minutes after transactions and a fraud claim was drafted. When viewing my account the payments were fully processed on XX/XX/XXXX. After waiting 11 business days, I contacted the bank when they notified me that their investigation denied my claim. ( XX/XX/XXXX ) I then refiled a claim with the bank and filed a case with my police department. The officer had a case number but needed an affidavit of fraud. After contacting the bank they claimed to be in the process of sending it to both my email and the officer after 24 hours I recontacted the bank when they said it might be a 24 to 48-hour hold while the claim was freshly opened ( XX/XX/XXXX ). Today on XX/XX/XXXX I still had not received the affidavit and contacted the fraud department again when they notified me that those are not drafted for my type of claim.

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 2022-03-20 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: FL

Complaint narrative:
For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.

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 2022-03-20 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: KS

Complaint narrative:
Someone opened up a account with XXXX XXXX, I contacted them and reported fraud and they closed the account opened. I want this off my credit bureau 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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have contacted the company on various accessions and have disputed this account numerous times. Ive asked them to validate this account to show the means of where it originated with no is full results returned back to me, and with nothing but vicious attacks on my credit file like this happening in return from them causing harm in the effect of not being approved for a refinance for my home due directly to their illegal tactics.I have submitted to them on occasions ample evidence that I have no recollection of this debt and am not responsible for it and they still maintain the position of neglectful sabotage on my credit file by changing the balance periodically by {$1.00} and the dates and nothing is ever the same that they report but the all of the CRAs let them keep getting away with it by the simple means of them just saying the company verified everything without actually doing anything or having to prove an actual thing on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-20 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have reached out to Equifax and disputed these accounts several times and they are insisting on not removing them. I have requested validation of these debts several times to support their supposed verification of the collections. I have not received any validation of these debts they are reporting against me. It is now very evident that Equifax is violating my rights and are not acting in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation