vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report. 
Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX. 

A credit card was opened by XXXXXXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXXXXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account. 

XXXX XXXX disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company XXXXXXXX XXXX than sold this DEROGATORY account to a collections agency named FBCS. In which I had no acknowledgment of. 

The company FBCS informed me the account debt is now in their hands. FBCS wasted no time, and immediately started making threats calling my cellular phone after XXXX EST. The company took it as far as calling my job multiple times a day. Mentioning jail time by XX/XX/XXXX if I didnt agree to opt in a payment plan of 3 payments for {$130.00} dollars a month. 

After thinking I would lose my place of employment due to the FBCS threats, and calls I was scared for my life. I immediately was forced into giving the FBCS permission for a payment of {$130.00} dollars to be removed from a checking account. As I am already suffering from bad credit, due to multiple inaccuracies reporting. I was forced/ threaten with jail time, and bad credit this situation is unfair as XXXX XXXX FBCS has violated my rights constantly causing deformation of my character Im able to get approval for new lines of credit, and/employment, due to bad credit and the constant harassment. 

Without any acknowledgment XXXX XXXX FBCS is also reporting inaccurate account information, such as payment status, balance due, no balance should be showing due.There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
These accounts do not belong to me. Please block and remove according to XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
XXXX XXXX XXXX {$780.00} XXXXXXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$7100.00} All accounts were deleted XXXX but constantly reappear on my report. 
This information is inaccurate and should be deleted ASAP. I will be prepared to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent multiple requests to Equifax XXXX XXXX until now we are in the month of XX/XX/XXXX and still no response from them. That means EQUIFAX has not complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Remove these following accounts completely from my credit report : XXXX XXXX XXXX - XXXX Balance {$0.00} ; ALABAMA XXXX CO - XXXX Balance {$0.00} ; XXXX XXXX Bankruptcy - Reference number : XXXX Filed on XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
THE COMPANY, CREDIT COLLECTION SVCS, PURCHASE A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. 
ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX 15 USC 1692 ( A ) ( XXXX ) THE TERM BUREAU MEANS THE BUREAU OF CONSUMER FINANCIAL PROTECTION. XXXX, XXXX, AND XXXX ARE ASSUMED TO BE CREDIT BUREAUS AND THEIR IS ONLY XXXX BUREAU AND THAT IS THE CONSUMER FINANCIAL PROTECTION BUREAU. 

ON XX/XX/1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.

15 USC 1681 ( 3 ) ( E ) ( E ) THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A CONSUMER REPORTS OR PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER REPORTED ON OR WITH OTHERS WITH WHOM HE IS ACQUAINTED OR WHO MAY HAVE KNOWLEDGE CONCERNING ANY SUCH ITEMS OF INFORMATION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XX/XX/XXXX - applied for XXXX with Navy Federal Credit Union. This could actually be characterized as a renewal as I had just come off a XXXX  year XXXX with NFCU. At the time ( XXXX ) they had ceased writing/renewing XXXX due to the pandemic economic fallout. When they restarted in XXXX, I reapplied. 

XX/XX/XXXX - Credit Denial due to " Insufficient Number of Credit References ''. 

I have a XXXX score of XXXX out of XXXX on XXXX and XXXX out of XXXX on XXXX. 
I have XXXX revolving credit card accounts all with an EXCEPTIONAL rating. 
I have no mortgage on the property ( paid off long ago ). 
I have no debt except the usual monthly expenses - paid-in-full each month. 
I submitted cash reserve figures in the low XXXX digits. 
I had an impeccable XXXX  year record with the previous NFCU XXXX, and another before that. 

My only conclusion is their negative decision was based on my age. I'm XXXX. This stinks to high heaven of age-discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
These accounts do not belong to me. Please block and remove according to XXXX 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 2021-11-20 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have submitted XXXX requests to have a negative report removed from my Chex system. Ive requested documents with my signature to validate the negative report and they keep sending me the bank statements. This is not sufficient evidence and does not have my signature on it. The bank that reported the negative information knows it wasnt me bcoz it wasnt my card used. I was the one who reported it to them but held me responsible because their reasoning was a pin was used so it was authorized. I want solid evidence like surveillance photos. I requested for copies of the checks deposited with my signature on it. The bank nor Chex system could not provide this to me. This is my right to have solid evidence with my signature and they cant provide it because I never authorized these transactions.

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 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I bought a second hand hairdryer from other person for {$200.00}, the transaction went through zelle. As I send the money to her, she said will send out the hairdryer afternoon, and afterthat, she said her daughter got sick, so it will send out the second day. The second day, she did send me the Tracking number, but the tracking never updated. AND I texted her and called her, she never respond me back. Today, XX/XX/2021, I call my bank afternoon, but they said they couldn't do anything for it, because zelle also couldn't do anything about it, they had no coverage for scam. So I was unable get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not have permissible permission to access my credit report on XX/XX/2017. I complain but without any explanation, Experian replies " This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record ''

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 2021-11-20 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: NY

Complaint narrative:
Dear : Consumer Financial Protection Bureau. 


I have been trying tirelessly to remove an old previous address which I no longer reside and have not been for a very long time. I am scared that my identity is lingering around to addresses that I no longer reside which can open up for me a possibility of identity theft with my information out there. I am currently still receiving correspondence from lenders to the address that I no longer reside and have access to. Experian would not remove this address and this opens up an opportunity for identity theft. However when calling Experian they are willing to put up a battle and not willing to comply with removing that address from my credit file as some lenders using that address which I no longer have connections or tied to any longer. 

I have tried to countless times to have Experian remove this information and no success. I was able to remove that address from XXXX however for Experian this isn't the case. Per the Fair Credit Reporting Act I have every legal right to dispute addresses that are inaccurate and does not reflect accurate and current reporting to my credit profile. I am asking for your help in providing a fair and transparent review on my credit file. 


Thank you.

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 2021-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: AZ

Complaint narrative:
I got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: NJ

Complaint narrative:
I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT FOR MYSELF AND THERE IS NO THIRD PARTY INVOLVED. 

I AM WRITING TO DELETE THE FOLLOWING INFORMATION FROM MY CONSUMER REPORTS. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THESE CHANGES. I NEED THE ITEMS TO BE DELETED TO CORRECT MY CONSUMER FILES. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ENCLOSED A COPY OF THE FEDERAL TRADE COMMISSION AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: AZ

Complaint narrative:
I got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
EARLY WARNING SERVICES , LLC DOES NOT WANT TO SEND ME MY XXXX  NOTICE OF REMOVAL LETTERS FROM XXXX XXXX XXXX BANK XXXX XXXX. XXXX BANK REMOVED MY XXXX DIFFERENT ACCOUNTS REPORTED SINCE LAST XX/XX/2021, THIS MEANS XXXX  DAYS AGO!!! IT LOOKS SUSPICIOUS THAT EARLY WARNING SERVICES , LLC IS RETAINING AND TRYING TO AVOID TO SEND ME THE XXXX RELEASE NOTICE OF REMOVAL LETTERS FROM XXXX BANK. SINCE THIS RETAINING IS CAUSING ME HARD PROBLEMS IN MY PERSONAL AND LEGAL LIFE I REQUEST AN APPOINTMENT AS SOON AS POSSIBLE IN ORDER TO GO TO PICK UP MY XXXX LETTERS IN EARLY WARNING SERVICES , LLC XXXX, LOCATED IN ARIZONA, USA. I HAVE TO MENTION THAT LAST TIME EARLY WARNING SERVICES SENT ME SOME NOTICE OF REMOVAL LETTERS, IT TOOK ONE ENTIRE MONTH TO ARRIVE IN MY P. O. BOX WITH THE FALSE EXCUSE THAT THE MAIL WAS RETAINING MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2021, I called and inquired about my replacement card because the current one is set to expire in XX/XX/2021. Shockingly, I was informed that my account was closed. When I asked why my account had been closed, the agent said they sent a letter in XX/XX/2021. I explained I had not received any letters through the mail. When I asked to speak to a supervisor to explain why my account was closed, the supervisor said a letter was sent electronically. I explained to him I was online looking at my account, and there were no emails and no notifications about an account closure. When I asked for an explanation as to why the account was closed and going through their verification process, the supervisors stated the account was closed because Citibank decided to close it - with no other explanation. 
Additionally, this account has auto-charges attached to it. For the last XXXX  months, they have continued to allow charges and have received payments- all without notifying me that the account had been closed. This unexplained decision by Citibank not only has caused a great inconvenience for me as a consumer, but it will also show up as a detrimental mark on my credit report. This practice is unacceptable customer service.

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 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had extremely bad experiences with XXXX XXXX XXXX. Following normal practice, I prepared a document and contacted their Customer Service via their web-based portal. Here is the correspondence : I filed my complain on XX/XX/XXXX, which was answered on XX/XX/XXXX. 
I replied to XXXX on XX/XX/XXXX that their answer is unacceptable to me. 
XXXX replied on XX/XX/XXXX, which was referring to an incorrect date and had practically identical content. Actually, this made me to contact your office. 
I replied to XXXX on XX/XX/XXXX that I would stop communicating to them and will find remedy in different way. 
All documents are compiled into the attached PDF file. 
Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XX/XX/2019 account was open in amount of {$420.00} on credit report.

Company response to consumer: Closed with explanation