vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!

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 2020-09-20 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: MS

Complaint narrative:
m suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Experian about 30 days ago. They haven't removed any of the fraudulent items I requested.

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 2020-09-20 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

U S DEPT OF ED/XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!

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 2020-09-20 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, validation of debt. 

All communication and verification documents should shared through the CFPB XXXXortal and I don't want to see information will sent you through US mail. Upload those document through and mail. 

XXXX XXXX XXXX XXXX XXXXXXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX There needs be physical verification of these accounts they are not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

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 2020-09-20 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: OH

Complaint narrative:
I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well ... 
The reason why Im writing is because my bill was a couple days late believing I had to pay {$580.00} because I called on the XXXX when my bill was due explaining I didnt have that much money to pay I was gon na have to borrow it from my mother or someone and it was gon na take a couple days for me to gathering that much money. I normally always pay on time before the pandemic. When I called on XXXX20 I spoke to a representative that advised that I could pay {$170.00} and will bring my account current so I told him to go ahead and take the payment. I wish I would of knew this on the XXXX and my payment would of been on time this is not my fault at all. I had one other later fee in XXXX that is when the Pandemic started because before all of this Im not ever late my hours have been cut on my job and at first I wasnt working at all. I feel the late fee should be taken off because I was not aware that I could pay a lesser amount on the XXXX because if I knew that it would been paid on time not my fault the representative advised that I had to pay {$580.00} to bring my account current and it is currently current with only paying {$170.00} by another representative telling me so Im getting different answers and thats not right at all. I have everything, screenshots, documented and recorded on my phone. Im XXXX  and I have had XXXX XXXX  back to back so I dont need the stress with this new XXXX and I cant afford the late fee with this pandemic. Thank you for your time. Have a wonderful day.

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 2020-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
Commonwealth Financial XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX The above company placed a balance of {$890.00} on my credit report on XX/XX/2020. I have not done any business with this company nor have I received any paperwork or documentation verifying this supposed debt they say I owe. They unfairly without prior notice placed this amount on my credit report causing it to drop 108 points. They did not send me a right to dispute notice. I have received nothing from them at all! I want them to remove the entry from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Consumer Adjustment Company Incorporated
State: CT

Complaint narrative:
I received a notification from XXXX XXXX that CACI has place two Items on my credit report from XXXX XXXX. I don't owe any balance from XXXX XXXX. 

CACI has been calling me non-stop at all times of the day, before XXXX and after XXXX. they are using false or misleading information in an effort to collect a debt and attempting to collect debts I do not owed. They said that if I dont response, they are going to take legal action. 

I do not know what to do. I feel like my rights are being violated. for this reason I am reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Recently Ive started receiving automated phone calls and voice mails to my cell phone number. I called the number back and spoke with a representative who advised me they were collecting on a debt from 1998. I do not know what this debt is for, I have no knowledge of this debt and I advised the representative this information and also advised him not to contact me anymore. The representative advised he would continue to call and he violated the FDCPA by calling me after my verbal request to cease and desist and he failed to give me a address to send the written request. I want this company to cease contact. I have not given them permission to call my cell. The representative was rude, and he violated several of my consumer rights. This company should be investigated for their collection tactics.

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 2020-09-20 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX XXXX XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.

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 2020-09-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not bee late on this account there was not full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XXXX of this year showing I was late and that have NEVER been provided. 

XXXX XXXX Account # XXXX Please correct payment history as it not reporting correctly.

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 2020-09-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. 
They are now charging a fee at their convenience to send regular XXXX  of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.

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 2020-09-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-09-20 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.

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 2020-09-20 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: OH

Complaint narrative:
These are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX  # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. My personal information was forcefully shared with Bank of America from Maryland Unemployment Insurance as " the only option for payment ''. I have not received my card in weeks and suspect fraud. 
They are now charging a fee at their convenience to send regular XXXX of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.

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 2020-09-20 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: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
Prestige Finance has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I've been the victim of identity theft, a paypal debit card was established in my name fraudulently. I received the card in the mail and have a account that I did not establish. Paypal customer service lines will not pick up phone calls ever it will always go to a line that hangs up ; and using their chat service I've gotten no resolution to identifying the fraudulent account to close it. I've been told to cut up the card, and have been given other non-answers to fix fraudulent charges on my account which is not resolving the issue of fraud at all. I've been trying to resolve this issue for over a week and it has not been handled appropriately. At this point the customer service has not taken any information to identify and close the fraudulently created account. I'm raising this issue because their customer service is not taking the issue of fraud and identify theft seriously by ignoring my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-20 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: OH

Complaint narrative:
I have not been late on this account and requested physical proof that I was late. Provide transactions of late payment for this account. I requested this information in XXXX. I have the certified mail that was sent requesting as such. 

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 2020-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX has retaliated against me after my last CFPB complaint. I feel like i have been discriminated against have not been treated fairly. Previously, they provided incorrect information on my credit report stating that I was 30 days late XX/XX/2019. Well, after my last complaint with the CFPB, they have now added an additional 30 day late payment reporting for XX/XX/2019 reflecting that I'm 60 days late. 
I feel like I have been discriminated against even more after I filed a complaint. I have statements to support that I was not late for XX/XX/2019 nor XX/XX/2019 but they have added this to my credit file. Dropping my credit score down 16 points. I have asked if the XX/XX/2019 past due reporting could be deleted since the account is closed with a XXXX balance and was denied and a second late payment have been added. I intend to reach out to an attorney to see if I have any rights because this company has violated my consumer rights and I'm sure that they have broken many laws at this point. I have reached out to them on several different occasions and have been denied all rights that are fair and due to me. Please have someone who is interested in doing the right thing so that my credit report no longer suffers from their false and wrong doings.

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