vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Experian. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. 

Chapter XXXX Bankruptcy XXXX 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 2022-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.

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 2022-03-17 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: NY

Complaint narrative:
I recently contacted the CFPB in regards to complaint # XXXX entered XX/XX/2022 against Equifax, the representative stated that the CFPB thought the complaint was entered by a third party, I explained to the rep. that I personally entered the complaint on my own behalf. I was instructed to resubmit the complaint and specify that I personally submitted the complaint. 
I have previously disputed the entry listed below with Equifax and they verified the entry as accurate. Stating the courts verified entry as accurate. I contacted the Bankruptcy courts and the courts response is that they DO NOT verify information with any credit reporting agencies. I also contacted XXXX and the REMOVED the public record on file because the could not verify the entry as accurate. I sent Equifax a copy of the letter I received from the Bankruptcy courts and a copy of my XXXX report the parties Equifax stated verified the information and their response is enclosed to the CFPB. 
Item disputed XXXX XXXX XXXX # XXXX It is clear that the courts do not verify information with Equifax or any credit reporting agencies like XXXX and that public records are not verifiable but information readily available to the public to see with no identifying numbers to connect to a certain individual. 
Therefore your original response verifying the items with the court which Equifax listed as verifying party on there response was either an error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C. 1681 ) and the information must be deleted immediately. 
I am enclosing a copy of my SS card, XXXX drivers license, work ID and a copy of my utility bill as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on Equifax. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below. 

Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report on TransUnion. Per my rights under the FCRA, please provide the contact information or the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau. The Fair Credit Reporting Act, Section 605, regulates credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a persons credit report after 7 years from the date the bankruptcy case is filed. Please see the item below Chapter XXXX Bankruptcy XXXX 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 non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: SC

Complaint narrative:
XX/XX/2022 I received a notification saying that Rise had updated a charged off account to currently late which is a because its listed as charged off on my consumer reports. Now how can a charged off account be currently late? This company is willfully causing harm because they refuse to admit that I don't owe anything to them. The amount they are displaying {$4000.00} which there no validation that I owe this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I received a text on XX/XX/XXXX from a number I didnt recognize that said; Welcome! You'll rcv msgs from XXXX XXXX Collector. Msgs vary by acct/pref. XXXXsg & DataRatesMayApply STOP to optout HELP for info. XXXX & XXXX 's : XXXX I assumed it was a scam text message as I get those quite often and they usually have a link attached to the message similar to how this message does. On XX/XX/XXXX I notice a collections account on my credit report from LVNV Funding that they reported as late on payment. I didnt recognize the name and I know I XXXX received any communications from a company called LVNV funding, after a bit of digging online I quickly was able to connect that resurgent capital and LVNV funding are the same company using a different name. Aside from what little information their text message relayed Ive received absolutely XXXX communication, in the mail or otherwise, validating or verifying the debt and I never was informed of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
An account was opened via online services with Bank of America using my maiden name. My credit has been frozen for months, additionally, they clearly never asked for any kind of proof of identification, had they done so they would know that the name and address listed were incorrect. I find it totally unacceptable that they would allow an account to be opened without any verification of the persons identity. 
I then had to spend almost 2 hours on the phone waiting to speak with the appropriate party to get this resolved. I was transferred 4 times to different departments and was never fully reassured that I would get any kind of confirmation stating the account in question was closed.

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 2022-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
For weeks now l have contacted there customer service department and they are suppose to waive the {XXXX annual fee based on there promotion when l signed up for there credit card and every time l call they say they are still working on it and has been going on for weeks, l need someone from this company to take action and get it done, no bank or financial institution takes this long to take action, this company has been a struggle since day one. I am seeking help. I need the fee waived as promised.

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 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a demand letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are debt collectors demanding to collect a debt on behalf of Capital One Bank ( XXXX ) NA. I have not received any goods or services from XXXX XXXX XXXX XXXX Attorneys at Law, and I do not know how they received my private personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am not a party to any agreements that XXXX XXXX XXXX XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( XXXX ) NA or Magistrate Court of XXXX XXXX. I have not agreed to pay/tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Bank XXXX XXXX ) XXXX or Magistrate Court of XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Capital One Bank ( XXXX ) XXXX reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety. 
Please be advised that neither XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Capital One Bank ( XXXX ) NA are Holders In Due Course. Please remove this unverified account from my credit report and Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: DE

Complaint narrative:
In 2018 a collection agency appeared on my credit report as XXXX XXXX XXXX who reported a debt as XXXX. At that time I contacted the company via certified mail requesting validation of debt because this debt does not belong to my person. They failed to do so and ultimately removed the collection account from all main bureaus which included Experian, XXXX and XXXX. Unbeknownst to me this was still listed under Rent bureau because they proper procedures were not followed on XXXX XXXX behalf to communicate this account was removed. I am uploading the cfpb complaint where XXXX XXXX  XXXX requested for this account to be removed from my credit report. This account does not belong to my person and even list an invalid name. In order to retain a lease with any agency valid identification must be provided or at least I would think so. Whoever opened this account did not even have my correct name. This account is a violation of my rights as a consumer because this account is fraud and does not belong to me.

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 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a Bank Account Monitoring Alert from my monitoring company, XXXX XXXX, indicating that Bank of America had identified me as part of a new account opening on XX/XX/2022. This was absolutely not true. 

I began the process with XXXX XXXX to indicate that I was not aware of the specific activity. After several calls with XXXX XXXX and with Bank of America via XXXX I confirmed that my identity had not been used. I subsequently advised XXXX XXXX that all was well. 

On or about XX/XX/2022 I received a letter from Bank of America instructing me on how to manage my two ( 2 ) accounts. Then, on XX/XX/2022, I contacted XXXX XXXX and Bank of America to delete my two ( 2 ) accounts. I was on the phone for nearly 2 hours with Bank of America XXXXepresentatives in Florida, Texas and subsequently in Tennessee. The third representative confirmed that my accounts were finally closed and I advised XXXX XXXX of this.

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 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I initiated a transfer from my bank to Venmo, Venmo has it stated my funds would be available on XXXX and its now XXXX and my funds are not available and they will not release them for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: MA

Complaint narrative:
I believe Equifax is in error regarding their completed Investigation ( Confirmation # XXXX ) of a dispute I initiated regarding my personal Credit Report file. This dispute centers on the CRA 's ( Equifax 's ) right to report a Hard inquiry on my Credit Report file without providing to me the actual proof of proper verification requested. Absent actual proof of proper verification, as requested, the Hard inquiry would then be classified as UNVERIFIED, and under the Fair Credit Reporting Act the unverified Hard inquiry MUST BE DELETED from my Credit Report file. ( TAKE SPECIAL NOTICE SECTION ( E ) - - " OR can not be verified '' - - Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) September 2012 609. Disclosures to consumers : U.S. Code Title 15 Chapter 41 Subchapter III 1681g ( c ) ( 2 ) ( E ) : ( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.

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 2022-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, XXXX loan and even a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/22 I received a debit card in the mail in my name for a new account through Fulton Bank. I did not apply for a new account, the bank I use is XXXX XXXX XXXX Bank. I called the XXXX number on the back of the card to ask why I was getting it. They used my name, DOB, and SS # to pull up the account. All matched until they asked for my driver 's license which did not match. The customer service rep ( XXXX ) said it flagged it on their end and froze the account. It is under investigation by them right now and I will get a letter canceling it once that investigation is done. No funds were transferred out of it. 

I have put alerts and freezes on all 3 credit bureaus and notified all my bank, credit card and credit union accounts. I have filed a report with the local Police Station.

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 2022-03-17 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-17 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: DE

Complaint narrative:
In 2018 a collection agency appeared on my credit report as XXXX XXXX XXXX who reported a debt as XXXX. At that time I contacted the company via certified mail requesting validation of debt because this debt does not belong to my person. They failed to do so and ultimately removed the collection account from all main bureaus which included Experian, XXXX and XXXX. Unbeknownst to me this was still listed under Rent bureau because they proper procedures were not followed on XXXX XXXX behalf to communicate this account was removed. I am uploading the cfpb complaint where XXXX XXXX  XXXX requested for this account to be removed from my credit report. This account does not belong to my person and even list an invalid name. In order to retain a lease with any agency valid identification must be provided or at least I would think so. Whoever opened this account did not even have my correct name. This account is a violation of my rights as a consumer because this account is fraud and does not belong to me.

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