vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: KY

Complaint narrative:
On Sunday XX/XX/2021 I noted a new account being opened connected to my US Bank while viewing accounts online. I immediately contacted US Bank fraud number and reported the event. My account was locked pending affidavit of fraud. On XX/XX/2021 I withdrew much of the money in checking and moved it to a different bank and have been changing auto draft instructions for bills paid with automatic withdrawal. 

The account was opened with my name minus the suffix " XXXX '' which is on the main account, plus home address and social security account. 

I was victim of identity theft on year ago when an emergency business loan for {$9800.00} was obtained from the SBA with information off a data breach. That crime is under investigation for the past nine months. 

My credit has been locked for the past 9 months.

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 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a letter for the fourth time disputing inaccuracies on my credit report with proof of the inaccuracies and how the bureaus are in direct violation of my consumer rights. On top of the obvious violations after they keep claiming account meets FCRA requirements and i just showed on the attachment how they are not. I have a right to claim {$1000.00} per violation i have pointed out. It has been more than 30 days i mailed my letter off on XX/XX/21 and i have not received a response. I dont expect this complaint to become a stall by stating you dont recognize the user when i am attaching you proof of my identity. I demand these accounts get deleted immediately.

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 2021-08-17 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: AL

Complaint narrative:
I disputed the Date of last activity on this alleged charged-off account XXXX My dispute was received by Equifax XXXX XX/XX/XXXX Equifax responded on XX/XX/XXXX saying they did a complete investigation on the disputed account yet the data furnisher has verified the information being reported as accurate. First of all Equifax said they did a complete investigation and in 7 days responded with an incomplete inaccurate report I disputed the date of the last activity data field yet the problem with Equifax investigation is that it did not furnish any date of last activity or date closed on the alleged charged-off account I disputed yet in their response they stated the data furnisher verified the date of last activity is reported correctly how does a data furnisher verified a blank field? The Date of the first major delinquency is also inaccurate the reported date furnished is XX/XX/XXXX yet the Payment Status code for XX/XX/XXXX is labeled 1 which according to Equifax means " Paid within 30 days of the due date or not one payment past due '' This is inconsistent data and both can not be correct either the status code is inaccurate or the date of first major delinquency is inaccurate! 

Equifax also did not furnish the date of the last activity or the date closed which violates the Metro 2 Standard of reporting which was issued by the Consumer Data Industry Association which governs how data is to be reported on a consumer report. How can you continue to furnish this incomplete account when USC Title 15 1681EB Specifically states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Klarna AB
State: PA

Complaint narrative:
After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim of a cyber hack or identity theft. this non-account holding inquires with : Klarna, INC is shown on my XXXX consumer credit report as ( KLARNA/XXXX ) and with a date of XX/XX/2020. Klarna , Inc. is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. This hard inquiry is NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Barclays Bank Delaware shown on my report as ( BRCLYSBANKDE ) and with the date of XXXX.Barclays Bank Delaware is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2021-08-17 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: TX

Complaint narrative:
XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both XXXX and Equifax refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
These accounts are fraudulent and need to be deleted from my credit report as soon as possible. I am a victim of false information and did. Please delete these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. I have also made a complaint with the CFPB. Please remove these alleged accounts as they are causing a substantial amount of harm and inconvenience to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
After reviewing my consumer credit report, I noticed that credit inquires that I do not recognize, unauthorized and NOT mine. I must have been the victim in a cyber hack or identity theft. this non-account holding inquires with : Synchrony Financial shown on my report as ( SYNCB/AMAZON ) and with the date of XX/XX/XXXX on my XXXX consumer report, and also it is shown as ( SYNCB/XXXX ) with the date of XX/XX/XXXX. Synchrony Financial is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my TransUnion consumer reports without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with Further, and I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with none of them for review or collection. They are NOT mine, i do not recognize and did not authorized. these inquiries are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2021-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both Experian and XXXX refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.

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 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XXXX I had customers pay through my website using the PayPal option. This was the first time I had ever used a PayPal business account. PayPal immediately froze and suspended my business account. PayPal could not tell me why this happened after I asked for a review. PayPal banned me for life, and they are holding my money for 6 months. I did nothing wrong and they will not give me my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: PA

Complaint narrative:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I received a letter by the company XX/XX/2021 Stating I owe XXXX. 

This amount is owed by the people who were stalking me for many years. They will have to cough up the money. I do not owe this and will not pay it. I warned them all and have the reports to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball tyree st john is not supposed to reporting a judgement or public record on my report, the law firm filed an eviction, and it was granted by the courts in 2016 4 yrs ago, this company is very harassing, judgements, liens, or public records accept for bankruptcy is only allowed on my credit report, this firm is using deceptive tactics reporting it on my credit, and not listing it as a public record when it actually is a public record, I checked the system, XXXXXXXX XXXX XXXX, and XXXX, and they said the firm is reporting it as a regular collection loan account instead of an eviction, which is public records, which is deceptive practices on their part, they are in violation of the national consumer protection plan, and they are to stop reporting the eviction to the bureaus. It is time barred debt anyway, after I reported it to the credit bureaus they deceptively ran to the courthouse to file an memorandum of costs, which is very sneaky on their part,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not a third party, Im making a complaint against Equifax, XXXX and XXXX, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Long & Foster Financial Services, Inc.
State: WA

Complaint narrative:
I applied for home mortgage loan with Prosperity Home Mortgage , LLC. I provided all the information and documentation that was requested. I have a great credit history and good income. I was approved for a very low amount. When I tried to ask the reason, the lender asked for more unnecessary information and documentation. I advised them that I have provided documentation and information you requested. Why my loan amount is low. They had no good reason. 

I had applied for mortgage elsewhere ( XXXX XXXX XXXX  ). They had approved me for much more XXXX XXXX XXXX difference. They actually did this with out requesting this many information. 

I discovered that this is a discrimination against people of color. This must be stopped!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: NJ

Complaint narrative:
I am distressed and constantly have XXXX  attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation