vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-27 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: BCA Financial Services, Inc.
State: FL

Complaint narrative:
This is my third complaint with BCA. The first two times I received response from the XXXX, XXXX XXXX. She stated this had been requested to be removed from my credit. 
I have received no documentation in regards to it being removed from their company. I have received no further communication at all. 

As of XX/XX/2021 this erroneous item remains on my credit report. 10 days after XXXX last response and it still sits there. I spoke with XXXX  on Friday, XX/XX/2021 in regards to this account and they have received no request to remove this. In fact, the last update they received from BCA was in XXXXXXXX XXXX. I can not dispute this item due to going through the mortgage process so I kindly ask you again, please remove immediately. 

With that being said, I am filing a third and final complaint, and will also follow up with a letter in the mail. This account does not belong to me and it is affecting my credit. I am in the process of purchasing a home and because of this item my score is lower, therefore my interest rate is lower. If this is not corrected immediately I will have to take legal action. I do believe there is also a fine that is incurred for {$1000.00} per line item on each report. 

I have been fighting this for over XXXX  months now and I wish to resolve this and move on. I have included, again, a screen shot of where this shows up on my credit. 

In case you need verification - the account number you have listed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MCM ( Midland Credit Management ) received a settlement for account XXXX on XX/XX/XXXX. I was advised at the time it would be completely removed from my credit on XX/XX/XXXX. 

As of XX/XX/XXXX, it remains on my credit. I spoke with the bureaus on XX/XX/XXXX and they have not received a request for deletion at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: CA

Complaint narrative:
EXPERIAN continues to post fraudulent information related to XXXX fraudulent XXXX XXXX accounts. EXPERIAN was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the XXXX and have done so since 2014. The address used under my name is a XXXX XXXX XXXX That XXXX XXXX XXXX compromised and personal information like social security number and ID were used to open the accounts with XXXX XXXX, several other credit card companies and banks. All providers with the exception oXXXX XXXX XXXX honored the information submitted and confirmed fraud. XXXX XXXX, with the help of EXPERIAN, continues to submit the exact same information to EXPERIAN, suggesting the accounts are valid. This is a flat-out lie and EXPERIAN continues to perpetuate this false narrative. I am demanding that EXPERIAN ( who removed the fraudulent accounts only to allow XXXX XXXX to submit the same garbage they submitted XXXX times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the XXXX XXXX accounts for good. Stop asking XXXX XXXX if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!

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 2021-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2021 I submitted a dispute to Early Warning Services , LLC I am contacting them because they are in violation of many banking regulations and Federal Credit Reporting Act consumer laws reporting on my report Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited I Am a federally protected CONSUMER! subsections ( a ) and ( B ) of 15usc 6802 prohibit the disclosure of my non public personal information without my consent! I would like all of accounts removed from my consumer report, I did not give any consent for the disclosure of this information! they are also in violation of multiple other laws within the usc and FCRA! Early warning services LLC did not respond within 30 days of my dispute either! no consent by definition is IDENTITY THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021 I tried accessing my Chime Account and it didnt allow me access stating my login info wasnt correct, I then emailed them I was having trouble accessing the account they then replied my account was suspended due to them needing information about where my funds come from that were deposited into my chime from my ( XXXX XXXX, XXXX, and XXXX XXXX  ) they stated I needed to provide My ( ID, Explanation, Documentation ) of the transactions from these other platforms, I then called to speak with a representative to confirm this is what was needed and they stated they didnt have a call line to speak with fraud department and could only speak with them via email, I then complied and did so via email as I was instructed to do so the rep assured me this would resolve the issue which it didnt and they sent another email stating I now needed to send them these documents ( Picture of myself holding my ID Card, Social Security Card, and Statements from ( XXXX XXXX, XXXX, and XXXX XXXX  ). I then reached back out to them asking my this information wasnt disclosed in the email in the 1st place they then told me they couldnt release my account or funds until I did so or my funds would continue to be held my them until I provided those documents and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paul Michael Marketing Service
State: NY

Complaint narrative:
I log into to view my credit report monthly as I've been trying to keep up to date and ensure nothing goes wrong and especially since I've been a victim of identity theft several times in the past couple years, so I recently logged in today to view my XXXX  report and there I see a collection from Paul Michael Marketing for an account I wasn't aware of or made. I never received a call or even a letter basically any form of communication regarding this fraudulent account which was still regardless reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27 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:
Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my 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 2021-06-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At XXXX XXXX XXXX, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report XXXX XXXX Account XXXX XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have XXXX Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well EXPIRAN to Fix this Problem. And Un-fortunately BANK, and EXPIRANCE refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK. 
I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING

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 2021-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.

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 2021-06-27 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: LA

Complaint narrative:
A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.

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 2021-06-28 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
on todays date I obtained a report from Chex Systems. I found multiple violations including 15usc 6802 subsections ( a ) and ( b ) which prohibits the disclosure of my non public personal information without my consent!. I Am A CONSUMER FEDERALLY PROTECTED BY THESE LAWS AND IT IS ILLEGAL to report these to anybody without my consent

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 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have no idea why Bank of America is allowed to charge so many overdraft fees. I have 6this month and I barely have a lot of money, that many transactions or bills coming out. I have more fees than money in my bank account often.

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 2021-06-28 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: FISERV FINXACT CORE
State: MN

Complaint narrative:
I am a victim of identity theft. Theres fraudulent accounts and negative information listed on my TeleCheck Consumer Report. The information is fraudulent information and accounts, not my information and dont belong to me. I was just released from prison, and was incarcerated for over 17 years. Review the attached documentation. My TeleCheck Consumer Report shouldnt have any adverse information listed on the consumer report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The account listed : ALLY FINANCIAL Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( Ally Financial Vs XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.

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 2021-06-28 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: TX

Complaint narrative:
The account listed : XXXX XXXX Account Number : XXXX Has been requested to be removed from personal credit reports for over a year. Numerous attempts have beeb made with no success. The information being reported is not valid. Additionally the account is currently litigation ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, Case No. XXXX XXXX in XXXX County, Missouri. 

The reporting agency and the alleged account holder has been contacted repeatedly regarding the removal of the account from report, almost on a monthly basis. 

The reporting agency has not provided requested information to validate the information as accurate. Items requested have been : -Proof of your right to to report this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature Instead have only provided : - Account history, including any charges added for collection activity. 

Which by no means validates a debt as accurate, but instead continues to hinder my rights under FCRA. 

The alleged debt also has claimed to be reposed by the account holder, but the account holder and the reporting agency have failed to provide information regarding repossession or Bill of Sale. 

Attached are letters of communication sent to all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am a victim of identity theft, I set up accounts with all 3 credit bureaus and put a freeze on my credit reports in XX/XX/2020. 
On XXXX I received an email from Experian that my email address had been updated. I could not get a live person on the phone, I could not access my account. The email said to respond if I had not made the change, I did this several times over several days and got no response. I called numerous times and could never get past the automated system. 
On XXXX i sent a letter with the proof of identification Experian asked for on their website ... picture of drivers license, recent utility bill, SS #, date of birth. 
I have received no response at all. 
I still can not access my account. 
I have no way of finding out if my credit report is still frozen. 
My entire credit report has been made available to a criminal. 
It is appalling that a company that has so much control of our financial lives is so incredibly lax about security!

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 2021-06-28 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: GA

Complaint narrative:
The credit bureau Experian refuse to remove an accurate information pertaining to a public record. I went to the furniture of the information obtained a letter stating that the information Is reporting in error and they refuse to remove the information. I would like for them to remove in accurate information immediately per the fair credit reporting act. Attached is the document from the federal courthouse of XXXX Georgia stating that the information is reporting in error.

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 2021-06-28 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX continues to post fraudulent information related to two fraudulent US Bank accounts. XXXX was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the US and have done so since 2014. The address used under my name is a PO Box . That PO Box was compromised and personal information like social security number and ID were used to open the accounts with US Bank, several other credit card companies and banks. All providers with the exception of US Bank honored the information submitted and confirmed fraud. US Bank, with the help of XXXX, continues to submit the exact same information to XXXX, suggesting the accounts are valid. This is a flat-out lie and XXXX continues to perpetuate this false narrative. I am demanding that XXXX ( who removed the fraudulent accounts only to allow US Bank to submit the same garbage they submitted four times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the US Bank accounts for good. Stop asking US Bank if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!

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 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been trying for several years to open an account with Navy Federal. Every time Im told that it shows that I opened one then nothing else. I have requested management call me, I have tried to prove my identity etc. if Im denied the account then fine but to tell me that I wasnt denied and then nothing else is troubling to me.

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