vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-23 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: PA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2020-01-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent in dispute letters to all three credit reporting companies, TransUnion, XXXX, and XXXX. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.

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 2020-01-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent in dispute letters to all three credit reporting companies, XXXX, XXXX, and Experian. My dispute letters were for the companies to remove accounts that were being reported on my credit report that are not my accounts. I sent the first dispute letter in on XX/XX/XXXX and then another on XX/XX/XXXX. I have not received an update from them yet and it has been 30 days sent the initial dispute letter.

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 2020-01-23 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 requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I first noticed my identity was stolen in 2019 when I started receiving mail and phone calls for from various companies claiming that I owe them money, I have never really been big on my credit and haven't ever really paid attention to it until now because I am becoming older would like to have great credit I cant because all the negative accounts some thief left me with. This whole ordeal has been a nightmare. I have filed police reports with my local police department, I have also contacted all parties involved with no help from anyone no one seems to care. I have even contacted the different credit reporting agencies ( IE ) Equifax, XXXX, and XXXX to no avail. These thieves have XXXX  of dollars worth of debt in my name attached to my credit reports, I would love to have all responsible parties involved to be held accountable. and for the credit reporting agencies to delete all the negative accounts and collections from my report so this nightmare can over. The negative accounts include XXXX for XXXX, XXXX   for XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX and XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX  for XXXX, XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX, US Department of Ed for numerous amounts. The list goes on I will attach separate documents with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: AZ

Complaint narrative:
Hello, The collection account submitted by XXXX XXXX XXXX/Perfection Collection Collections in the amount of {$1100.00} is not my account, it belonged to my ex husband. I requested this company to validate this debt and the company sent me information reflecting that the account was delinquent in XX/XX/XXXX and written off in XX/XX/XXXX, NO signed contract exists for this account. The Customer billing history submitted reflects the first delinquent balance in XX/XX/XXXX and the account being written off in XXXX, not XXXX as they are reporting on my file. With the dates on the billing history it appears it is at least XXXX years old. They also are unable to provide a signed contract to validate this debt is in fact mine. 

This seems to be false representation and they are trying to use scare tactics to get me to pay an extremely out dated account that belonged to my ex spouse.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-01-23 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: WA

Complaint narrative:
Equifax is reporting incorrectly that I am ( XXXX ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Every year around tax refund time this company starts calling trying to collect a debt from over 15 years ago that is not my debt. They are now calling for $ 700+ owed to Capital One for an account that is not nor has never been mine. 
Date started calling this year : XX/XX/2020 Time : XXXX cst Phone number called from : XXXX I stated this is not my debt and I do not owe to Capital One. I said I track all my accounts carefully and monitor my credit report weekly. Please do not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  a representative named XXXX called me stating he needed to verify my social security number for a business matter. I requested for him to disclose where he was calling from and he insisted that i needed to verify my social prior to. After explaining to him that he must disclose who and where he is calling from he stated it was credit control llc. He would not provide any further info regarding what the debt is. I requested he not call back. 

On XX/XX/XXXX at XXXX the same Representative called back requesting i verify my social again for a business matter. Again he did not disclose where he was calling from. He stated that he had my full social security number, my date of birth, and address. I told him if he had my address why have i not received any documents regarding said debt. He got annoyed and insisted that it was MY JOB TO UPDATE MY ADDRESS EVERY YEAR. I told him if he indeed has my info to send a debt validation letter and to not call back, that i would once received.

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 2020-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.

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 2020-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  and XXXX  allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted XXXX points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow XXXX car purchase inquiry turn into XXXX individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take XXXX points off because of XXXX inquires and when they finally came off I got XXXX points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.

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 2020-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX, 0r XXXX XXXX. I was approached at my XXXX Bank where I am a member by the teller, as I was doing a random exchange, in XXXX. I am a platinum member, and their staff gave me a promotional offer that they were " celebrating '' within their office to apply for a credit card, with Citizen Bank. The bank and I have a ten year relationship. 

They said I qualified for a credit card for a 15 month 0 percent interest charge ( APR ). 
The advertising on the brochure was what they call in law school bait and switch and the intent was to get clients to order a credit card. 
As a member of this bank, i defaulted to trust with them, as it seemed like a good deal, and I told them i would consider it since I had XXXX large purchases coming up. Equaling XXXX dollars. 
Now, they had the chance to have integrity, as the brochure says nothing about purchases, but, only about an " introductory rate for 15 months for 0 APR '' for  balance transfers from other cards. 

It was trickery and faulty advertising their intent was to bait, and then switch by providing the wording of introductory rate and then later stating for balance transfers, the next page if any page thereafter has the rate for actual purchases being 16.9 percent, which is ludicrous. 
I called the bank at my second statement because I was under the impression that this new credit card had 0 % for the first 15 months of purchases, and the agents of the bank conveyed this by their lack of disclosure when I stated that I would use it for purchases, and also by their compliance by not explaining otherwise. As to the terms, I do feel this contract should not be upheald and they need to offer me the contract of 15 months 0 % interest, because of the phrasing and the selling of their product to a costumer being vague and cryptic and the costumer having a trusting nature with the bank. 
It was truly a move I consider of terrible business practice on the part of a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
My attorney sent the uploaded document of the settlement reached to be uploaded on the CFPB. Section 623 requires the Data furnisher to report 100 % complete and accurate information on a consumer. Santander has willfully reported to all 3 credit bureaus inaccuracies negligently which are major FCRA violations. I am seeking immediate deletion of all credit reporting promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/19 some person opened a savings and checking account using my name, address and social number. 
On XX/XX/19 I was made aware of the account when I received mail from the bank. 
I saw the TD bank manager and made a police report. 
I was told the bank account would be frozen immediately and I would be advised in 30 days as to what happened. 
I have since seen a second bank manager and there is still not end to this. 
Still today I receive bank statements and notices of activity and charges I am liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX Agent says account is closed and I owe {$1500.00} despite Chase offering Gap Insurance. The credit bureau shows an open account with a balance of {$4800.00}. Requested original lease agreement and documents supporting adjustments to closed account. Agent says I should receive within 7-10 business days. 

XXXX - Requested original lease agreement. Agent says this can not be released. 

XXXX Insurance rendered decision of total loss and was prepared to settle. Insurance needed copy of original lease agreement. 

XXXX Requested copies of origination documents. Agent says they are not available to send. Escalated to the presidents office. Agent took statement and provided no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
PRA is reporting a debt on my credit reports and I never received any notice of my right to dispute. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. PRA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is 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