vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN, XXXX, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because Experian, XXXX, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : XXXX XXXX : acct. number : XXXX XXXX, EXPERIAN XXXX XXXX XXXX : acct # XXXX XXXX EXPERIAN- XXXX XXXX XXXXXXXX  : acct # : XXXX XXXX XXXX : acct # : XXXX XXXX AND XXXX online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX : acct. # : XXXX XXXX- XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX NO CREDITOR NAME : acct # : XXXX XXXX NO CREDITOR NAME : acct # XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: NCB Management Services Inc.
State: OR

Complaint narrative:
XXXX XXXX which is a high interest loan is not updating my credit report in a timely manner. I paid the loan off in full on XX/XX/21. My credit report shows that I still owe {$2500.00} and that my last payment was made on XX/XX/21 ( 2 months ago. ) I've asked them to correct and they've advised me it should be corrected sometime in XXXX. By the way, the interest rate was 99.20 %. For that premium rate they could at least report to the credit bureaus in real time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is for the credit card ending in XXXX. 

Bank of America is XXXX  and the people who work there are thieves. One particular employee, XXXX claims that {$140.00} was placed back on to my card on XX/XX/XXXX. I am disputing this amount with XXXX XXXX ( XXXX. ) The bank can not locate where the funds went XXXX! So XXXX made up at the top of her head XX/XX/XXXX I was recharged but every time I ask her for proof of the recharge she says No!!! Thats proof right there this bank is shady!!!! Dont let this bank get away with this. I want my money back!!! THEY HAVE IT. I went through a complaint process with XXXX for XXXX too and XXXX  investigated it throughly and said its BOA who has my funds NOT XXXX!! So since BOA is incompetent and fails to realize their error, Im left without renters insurance and it is still on my card!!! They stole from me!!! Please escalate this to someone higher. 

Short summary of what happened : : XX/XX/XXXX purchased renters for {$140.00} Disputed that amount on XX/XX/XXXX since they didnt send any proof of coverage. It was then put back on XX/XX/XXXX but on XX/XX/XXXX it was declined by BOA. 
According to this girl XXXX it was placed onto my card on XX/XX/XXXX. What bank cant provide a proper document of that??? This is illegal and this is why they are acting shady!!!

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Good afternoon, I have a problem with my Chase check account the situation is that it was closed, in the app tells me it's for suspicious activity, from day to day no longer worked, I tried to communicate with the bank vary times and they hung the call on me, Yesterday I was finally able to communicate with them, to begin with the boy who attended me was very rude, he didn't give me any information at all. I asked him if he had been blocked. I have no problems at all if someone stole my identity I can't know why I don't have access to any of the accounts, he couldn't give me any reason or explanation, I asked him what I could do and he told me in a mocking tone " go to another bank '', I had a covid health problem and I couldn't make my chase credit card payments, but it was 2-3 months, I'm just committed to paying, but they don't even want to take care of me. I hope it helps, thank you very much in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Credit Reporting Act. In my opinion you have violated my rights : I understand you must complete a proper investigation within 30 days of receipt of my letter 15 USC 1681i ( a ). On XX/XX/2021, I received a copy of my credit report and found errors on it so I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request to Equifax to verify/validate an unverifiable item reporting on my credit profile. The item reporting on my credit profile is an account from XXXX XXXX, which I have no idea what this even means. 

You claim the account in question was verified but did not show proof as requested. I do not know what resources your company used to verify the account. The burden of Proof is on you. In this complaint accompanies my Letter asking for Removal of Inaccurate Credit Information. 
Thank you very much for your time Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I spoke directly to Portfolio over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( XXXX benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Auto Credit Corporation
State: TN

Complaint narrative:
I'm Filling this complaint because I sent US Auto Credit a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if US Auto Credit fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-16 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I spoke directly to XXXX over the phone a couple of times, once to say there was no way I could pay them because Im on a fixed income from the government ( SSI benefits ) and theyd alloyed my money and where most of it goes ( rent and groceries mainly ) I have specific amounts I have to pay out or I could lose my benefits! I explained this to them and asked them to STOP CALLING ME PERIOD, they assured me they would. But I keep getting letters with threatening language in them and harassing phone calls- Ive even had to go as far as changing my phone number! They are scary and disrespectful and disruptive not professional at all. I also never received written notification of the debt or how to dispute this debt, I didnt know that was something theyre supposed to do until I went to make this complaint!!! I have rights that protect me from this kind of abuse I think please help me! I cant eat or barely sleep with worry that theyre coming for me. I just want the harassment to end! Thank you so much for this opportunity to be heard. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, AND EQUIFAX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : EQUIFAX- XXXX : acct. number : XXXX XXXX, XXXX XXXX EQUIFAX- XXXX : acct # XXXX XXXX XXXX- XXXX XXXX XXXX : acct # : XXXX EQUIFAX- XXXX : acct # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- online in sv : acct. # : XXXX XXXX AND EQUIFAX- XXXX in sv : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX XXXX XXXX AND EQUIFAX- XXXX XXXXXXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX acct. # : XXXX XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EQUIFAX- XXXX : acct. # : XXXX XXXX XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX EQUIFAX- NO CREDITOR NAME : acct # : XXXX EQUIFAX- NO CREDITOR NAME : acct # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-12-16 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: The CMI Group, Inc.
State: NM

Complaint narrative:
Currently, I have a XXXX XXXX XXXX but even with a " good '' XXXX XXXX I am getting deenied credit. I don't understand or agree with this. XXXX Total unpaid collection amount and XXXX Number of Unpaid Collections are Not Mine. XXXX is reporting a collection from Credit Management in the amount of {$800.00} from XXXX XXXX. I spoke to XXXX XXXX, myself, and they have no record of me what so ever. This is a company based from Louisana for cable services. I live in New Mexico and have cable services in my name with XXXX. XXXX XXXX is not on my XXXX credit report. XXXX XXXX has been removed in the past but keeps getting put back on. This is harming my score and great record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I'm Filling this complaint because I sent Rent Debt Collections a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if Rent debt collections fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
XXXX/BRIDGECREST are breaking the law by continuing to show inaccurate information on account. Account is in repossession yet companies are reporting late payments. Co-applicants name is spelled completely wrong, as well as a $ 0 monthly payments being reported as well. All of these inaccuracies are in violation of federal law and need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: NC

Complaint narrative:
TransUnion And XXXX are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account : XXXX XXXX XXXX  : {$50000.00} XXXX XXXX XXXX  : {$50000.00}

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 2021-12-16 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: AZ

Complaint narrative:
I have reached out to Experian multiple times as well as the company I extended credit " XXXX XXXX XXXX  '' I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.

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