vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX This is from XX/XX/XXXX I have repeatedly tried to straighten this out with them but they just keep sending the bill through collection agencies. 
Total amount of bill is XXXX When we went to ER I gave them BOTH insurance cards. The emergency XXXX XXXX XXXX  XXXX XXXX did not process the ins properly and therefore I recieved this bill in XXXX. I've talked to them on the phone numerous times. Last time was about 1 year ago I thought this was taken care of but no .... today I recieved another invoice from a different collection agency asking to make a deal and pay {$320.00} by XX/XX/XXXX to resolve a matter that isn't my making. This should have gone through our insurance that we had at the time. It's also messed up my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: VA

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: VA

Complaint narrative:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed

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 2020-10-29 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: CA

Complaint narrative:
I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.

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 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.

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 2020-10-29 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 HAVE TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE 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 2020-10-29 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 TAKEN A LOOK OVER MY CREDIT REPORT AND FOUND SOME DEROGATORY ACCOUNTS ALL WITH XXXX BALANCES THAT WAS PLACED ON MY CREDIT FILE. I ALSO FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME OR ANYONE REPRESENTING ME. I AM ASKING THAT AN INVESTIGATION TAKES PLACE ON MY BEHALF SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-29 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reportedXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-10-29 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Opened a CITI XXXX XXXX VISA and did not start using it until late XXXX. I signed up for paperless billing with email billing notifications. I went into the online account on XX/XX/XXXX and did not have a generated bill. It did NOT ask to verify my email address at any time. Since I had no previous CITI billing history to go by, I made the mistake of waiting for the billing notifications that never came. They were sending my information to an email address that was not mine, since the executive response team told me they did not bounce back. This is a breach of my privacy, since they made no effort to verify my email address at any point, made no calls, sent no mail, but instead waited until the account was already past due to text me from a non-descript number. 

I received a text message on XX/XX/XXXX from XXXX a number offering no detail, telling me to visit XXXX or call. At this point, the account was already 32 days past due. 

Luckily, I called and after making 10 phone calls to citi agents and supervisors, alerting them that I was NOT and had NOT received ANY communication from Citi EVER - not one agent bothered to take it seriously and VERIFY my email address. Instead, I had to request to speak to tech support myself to find out WHY I was not getting the email billing statement notifications we agreed theyd send me when I signed up, as well as NO phone calls and NO MAIL. 
The XXXX XXXX CONFIRMED that my email address, XXXX was MISSING ONE LETTER and corrected it. I immediately received an email from Citi. 

I had no prior history with this card to know when to expect billing, and would expect theyd make an effort to confirm they have the correct email address before reporting me to the credit bureaus AND reducing my credit line down to my balance, CITING MY CREDIT USAGE on other cards because we went on a trip in XXXX!!!!!!!! 

I have an excellent payment history with no late payments for YEARS. I would like Citi to accept responsibility for not confirming they were sending my statements to the WRONG ADDRESS either on the many phine calls, OR on XX/XX/XXXX when I was in my account. 

This was not my error.

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 2020-10-29 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-29 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 /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/2020, Citi Bank closed my account due an exceeding of the 90 day policy. 
This is the first time I had ever been in this situation which was due to COVID19. 

I am a young entrepreneur, so I did not qualify to receive any of the XXXX Loans that were available to businesses. 

This put me in a financial deficit. Prior to this situation I have always made my payments on time. 

Citibank was running a program to assist people in financial burden, and I signed up for it. 

Due to the fact that I am young and I do not have a ton of experience dealing with credit, I did not know how to respond during this time. I did not know there was a 90 day policy that would case my account to be closed. 

I continued to call and speak with agents to let them know that I had every intention of making payments as soon as I was able to generate income. 

As a father, husband, and employer, I had to see to the protection of my family and staff. 

This has been a very difficult season to endure. I would hate to sacrifice the relationships I have worked so hard to build.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: NM

Complaint narrative:
I received a letter from the law firm of XXXX and XXXX XXXX. in XXXX, Missouri, saying that I owed money to Oliphant Financial LLC in the amount of {$10000.00} plus interest of {$900.00} I tried calling the number in the letter, but when answered, was told that company was not taking calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: GA

Complaint narrative:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts 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 2020-10-29 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2020, I was charged {$780.00} by XXXX  XXXX XXXX on a Discover credit card. I never bought or ordered anything from this company. 
On XX/XX/2020, this amount was returned to my account. 
On XX/XX/2020, this amount was deducted again. 
On XX/XX/2020, the amount was returned. 
XXXX XX/XX/2020 amount deducted again. 
XX/XX/2020 amount returned XX/XX/2020 amount deducted again. 
Already in XX/XX/2020, I initiated a dispute against this transaction. On XX/XX/XXXX, the company sent me a decision that it was a no fraud and closed the dispute. The whole affair stretches to this day. 
The goods were ordered with my credit card but with my wife 's name. My wife also did not order or pay for any goods. The credit card was issued only for me. Only I use it this credit card. When I asked how it was possible that a transaction with my card number but a different name was allowed, it was not explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently checked my credit report and it showed a low score due to having too many inquiries. I did not authorize any inquiries besides the XXXX XXXX and the XXXX XXXX XXXX XXXX inquiries. XXXX XXXX did not have authorization to use my social security and pull my credit, nor did any other companies that show up as inquiries on my credit report. There have been no more than 2 inquiries in the last year. Please correct this false information it is hurting my credit score and preventing me from getting a loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK

Complaint narrative:
I spoke with a TCF Bank ( TCF National Bank ) MN representative on XXXX XXXX and to close my checking account as it was now being charged $ XXXX for paper statement fees. After having to call back as I was using XXXX XXXX as I live in XXXX XXXX and this was showing as a blocked number ( my brothers receive a phone number when I call ). 

I called back went through all the steps and was told to expect the check in a few days. Due to the current issues with the postal service it wasn't noticed that it hadn't been received until receiving an XXXX statement, which was a surprise. 

I called back to TCF on the XXXX XXXX and requested a refund to the account and then to close the account. I was told that the account could not be refunded {$4.00} and that I would have to close the account in person. I stated that as I live in XXXX XXXX this was not a possibility and that I would be raising a compliant as I was told the account was closed. 

Prior to writing this compliant, I called back one more time and asked for the complaints department, hoping that they may be able to resolve this. They said customer services and complaints were the same department and I could not be transferred. On this call I was told that due to my account being dormant ( this was the first reference to this ) I could not close the account over the phone and there was nothing they could do for me. 

This process seems very predatory, as I would assume most people that have dormant account are in a situation where going to a bank branch is no longer possible, part of the reason for the account being dormant. Also, it is unreasonable that they can still charge my account {$4.00} but can not reverse the account or stop sending paper statements ( I cwas told to change this setting I would have to go in person ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 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 /fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

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 2020-10-29 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
date -- XXXX amount -- - {$3000.00} actions taken -- -Wells Fargo was notified XXXX was notified -- they sent me the fraud alert email FTC notified CFPB notified XXXX froze my accounts

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