vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several inaccurate statements on my credit report including several accounts that do not belong to me. Am I a victim of identity theft or is this a mistake? 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor Name = XXXX XXXX  XXXX XXXX - {$160.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Original Creditor = XXXX XXXX XXXX - {$430.00} XXXX  XXXX XXXX XXXX - Opened XX/XX/XXXX - {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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:
hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and Experian XXXX XXXX XXXX XX/XX/2020 Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX  Phone XXXX XXXX XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source Experian Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}

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 explanation
Consumer complaint received 2020-02-23 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: TX

Complaint narrative:
hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source Equifax Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Equidata, Inc.
State: TX

Complaint narrative:
hippa and ftc violations they have been sent police reports and ftc will not fix them XXXX and XXXX  XXXX XXXX XXXX XX/XX/2020 Source XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}

Company response to consumer: Untimely response
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates collection company bought and own a debt they claim I owe. The account number is XXXX. I do not have a contract with Portfolio Recovery Associates nor have I ever had a contract with Portfolio Recovery Associates collection company, therefore I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: Innovis
State: TX

Complaint narrative:
XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX XXXX Address XXXX XXXX   XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00} Alert Details Alert Date XX/XX/2020 Source XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX g.f address remove it XX/XX/2020 Source XXXX  Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Activity XXXX XXXX XXXX ( Collections ) hippa violations Alert Date XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Inquiry Date XX/XX/2020 Account Number XXXX Company XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX hippa and ftc XX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX   XXXX Address XXXX XXXX  XXXX XXXX, TX XXXX ftc and hippa violations XX/XX/2020 Source XXXX   Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX hippa violationsXX/XX/2020 Source XXXX  Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX hippa

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX This company ran a hard inquiry on my credit without my consent. This company contacted me through my current home loan servicer. After I called them to ask them about the refinance offers they had available, they on a recorded line told me that that this was not a hard pull on my credit and asked to do a soft pull in order to give me rates. They lied to my face on a recorded line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: WA

Complaint narrative:
I immediately identified fraud on my account, specifically that someone had spent XXXX at XXXX 's in XXXX. I mistakenly thought I had my card with me, but I did not and had lost it. I marked on the form that I had my card with me. They denied my claim as a result. I also realized later that a charge from XXXX, a grocery store, for XXXX, was also a fraudulent charge. My claim was denied and they are charging me for both even though this was a crime.

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 monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
This is a continuation of complaint number XXXX-XXXX. 
In regards to the phone number that cash app provided, you reach only an automated system which tells you that you have to contact them through the app which only offers email and then hangs up on you. There is no way to get in touch with a person using the number provided. Cash app continues to withhold my money and not respond to any emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: U.S. BANCORP
State: NY

Complaint narrative:
I had an open credit card account at US Bank. 
It was charged off for non-payment. 
However, I made a repayment agreement with US Bank to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and XXXX  ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement. 
I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, US Bank is still reporting that I have not paid any of these accounts as agreed. 
I made an attempt to dispute this information with both the Credit Bureaus and US Bank on XX/XX/2020. I was told by US Bank that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.

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 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Started disputing the valididty of this debt in XX/XX/2019 and company continues to " verify '' account with bureaus but has never sent me any documentation for the account. When I mailed letters requesting verification, they were simply ignored. I have sent 2 notices, one regular USPS and the second was mailed certified. Still not answer to either accounts. I have noticed that the accounts were removed from XXXX, but still are being reported to the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: MN

Complaint narrative:
Public record information inaccurate.

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 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for Bank of america travel rewards visa signature credit card online. But i come to know that it is rejected with the following reasons : Too many accounts were recently opened Limited deposit and/or investment balances with us and/or our affiliates. 

This is so weird and strange reason, as they themselves has mentioned that my FICO credit score is XXXX ( XXXX  ). On the 3rd page the reasons provided are not in sync with the reasons provided on the first page. I am attaching this letter. 

In XX/XX/2019, I paid off my entire mortgage loan and having score of XXXX - i am wondering - what exactly Bank of america is looking for? 
Moreover it's is this bank of america which is providing me this offer at XXXX  XXXX and it states " GOOD APPROVAL ODDS '' if i apply for it. 

It doesn't seems to be fair and good business practices as first you provide the offer to the potential customer and then deny their application. In this process - you have put a hard inquiry in the credit file also. 

Regarding " Limited deposit and/or investment balances with us and/or our affiliates. '' - i have Business and personal credit card with Bank of america - so i have no idea what they are talking about

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 monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XX/XX/XXXX I once again contacted Citi Bank for taking {$12.00} monthly fee from my account. 
Twice I have submitted the form Citi sent me to verify my account information, direct deposit, and direct payment. TWICE!!!!!! 
I made the follow up call one week after sending the form back to CitiBank. 
I was told everything was in place. 
Now XX/XX/XXXX another {$12.00} monthly fee was deducted from my account. When I called the man ( XXXX - I think that was the name he gave ) insisted I did not meet the criteria, yelled at me and refused to speak any further. I requested a supervisor. I spoke to supervisor XXXX, ID XXXX. She said the direct pay would NOW be on a permanent basis and from here forward I would not be charged a monthly fee. 
I have been told this exact same thing for several years now. Only after a few months of no fees for the fees to be put back on my account and Citi delete my direct pay instructions. CITI DELETED MY DIRECT PAY WITHOUT MY KNOWLEDGE!!!!! 
This has occurred since XXXX!!! 
I have to call again every time I see monthly fees reappear and then Citi refunds the monthly fees. 
CITI HAS NO RIGHT TO REMOVE MY DIRECT PAY AND THEN SAY I DONT MEET THEIR REQUIREMENTS OF PROPER AGE AND HAVING DIRECT PAY. 
CITI IS DOING THE SAME THING TO PEOPLE AS XXXX XXXX DID!!!! 
CHANGING PEOPLES ACCOUNTS WITHOUT THEIR PERMISSION!!! 
THIS TIME I WANT FEDERAL BANKING FRAUD CHARGES FILED AGAINST CITI IN MY NAME!!! 
The document I attached was received after the first mailing of CitiBanks required documentation. Within that letter was another copy of the document I had already filled out and sent back. 
I filled it out once again and mailed it again to the address provided.

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 2020-02-23 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: MN

Complaint narrative:
Public record information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: UT

Complaint narrative:
Equifax and CFPB are ignoring ( attached ) is a letter from XXXX XXXX setting forth they pulled my credit in error. 
Step One, Equifax tells me to contact XXXX XXXX if I believe my credit was pulled in error. 
Step Two, I contact Equifax advising I have contacted XXXX XXXX. Equifax responses if there was a mistake XXXX XXXX would send me a letter. I advise I have such a letter from XXXX XXXX. Equifax asked to send them XXXX XXXX 's letter. 
Third, Equifax ( upon receipt of the creditor 's letter ) circles back to Step One and asked me to contact XXXX XXXX if I believe the creditor pulled my credit in error. 
I contacted the CFPB ( Case XXXX-XXXX  ). I attached Equifax 's letter and XXXX XXXX 's letter. Equifax circles back to Step One and replies to contact XXXX XXXX if I believe the inquiry was in error. 
CFPB closed the prior case as if somehow Equifax 's circular responses ( to contact XXXX XXXX ) makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Equifax website provides no means for actually contacting their support, and for two years now my Equifa credit report jhas not been available online through the XXXX XXXX XXXX website. Equifax merely reports that the credit report is not available online, and then requires an onerous process by mailing a form and documents.

I have had no such problem with either of the other two credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-23 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to Equifax and XXXX   thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX )  XXXX XXXX XXXX ( XXXX XXXX ) INQUIRIES ARE THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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: FL

Complaint narrative:
I am a victim of identity theft. My confidential documents like m Social, Birth Certificate, Checking Account Information and my kids documents were stolen in XXXX. I noticed a number of accounts when I pulled my credit report in XX/XX/XXXX. I filed 4 identity theft reports in order to be able to include all fraudulent accounts, as well as, a police report. I have mailed the first ones to the credit bureaus. The original to XXXX  a copy to XXXX  and Experian thinking the issues would be resolved. I have filed new and updated reports today and have attached them to this complaint. 

I have listed the accounts that are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX  ) INQUIRIES ARE XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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