vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This account is not mine and is the result of fraud. I have never been to that hospital or city.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: FL

Complaint narrative:
XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, Equifax and XXXX still continue to report this account on my credit report as accurate when in fact it should be removed. 

Document attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: MO

Complaint narrative:
On XX/XX/2019 I sent yet another dispute to Equifax because these two accounts were reporting as the same account. These accounts had already been investigated and deleted by XXXX  as they were unable to be validated but Equifax continues to update and validate. I have requested Method of Verification in the past and not received results just another updated dispute, I have attached proof of the XXXX deletion as well as the last dispute letter. 
In XX/XX/2019 I received a response from XXXX stating that the following account could not be verified nor validated, and it was immediately removed from my credit file : s XXXX   XXXX XXXX XXXX XXXX XXXX ( Same Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened a TD checking account in XX/XX/2019 because of a promotion they were running for a TD Beyond Checking stating only two direct deposits above {$2500.00} total were needed to qualify for a {$300.00} introductory bonus. After fulfilling the requirements well over the amounts and direct deposits required I waited 3 months and did not receive anything. I began to message them on their secured message server and separately confirming the promotion via their customer service representatives on the phone. Every time I called the representative assured me I would be receiving the bonus in the next week, and that I should call again in 7-10 days. After repeating this process 6-8 times and receiving different answers to why I havent received the offer a representative and manager told me they could no longer find the promotion running during the period that I opened the account ( which was the entire  reason I chose this bank other than ATM fee reimbursement ) Today I have emptied the account and I am submitting this claim to see if there is any hope in keeping the relationship with the bank. Hopefully someone at the CFPB can help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called XX/XX/20 at XXXX talked to Agent XXXX ID XXXX XXXX to cancel my Citi Premier card ending XXXX. I was offered a full refund of my membership fee after I paid the fee. I chat with Citi on line agent ( XX/XX/20 ) and assured me that the refund be deposited into my credit card account before the billing cycle ending XX/XX/2020. 
I just found out today ( XX/XX/20 ), the refund will not be honored and I will not receive it. 

Citi bank need to honor the offer promised by their agents, I am seeking the full refund of 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 2020-02-21 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: MO

Complaint narrative:
This account from GM Financial had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and XXXX. This account had been charged off and allegedly had a deficiency balance however, GM Financial never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX  Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to this company and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 2020-02-21 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
This phone number is not associated with a human. They repeatedly call this phone number and tell me to call a different 1-800 number back. 
Their last call to me was for my phone number XXXX XX/XX/2020 XXXX. Their number they called from is XXXX. Tyey want me to call back to XXXX XXXX XXXX. 
The name they are collecting from is no one in my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account from XXXX XXXX had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and Transunion. This account had been charged off and allegedly had a deficiency balance however, XXXX XXXX never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account from XXXX XXXX had been reporting in a charge off status and shows 57 reports on Experian before updated as settled with 0 balance on Experian and XXXX. This account had been charged off and allegedly had a deficiency balance however, XXXX XXXX never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: CA

Complaint narrative:
On XX/XX/XXXX I disputed an item on my report and on XX/XX/XXXX the investigation reported that the item was mine. On XX/XX/20 I spoke with a supervisor after sending in certified mailed proof that the item was not mine and asking her how is it that the investigation was done in 2 days, over a weekend without looking at my proof. The supervisor stated that she did not see where an investigation was done AND someone on their end ( an Equifax. Rep ) changed my address with out my written approval. She said that all she could do was submit a reinvestigation. This violates my FRCA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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 2020-02-21 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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to Capital One and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: MO

Complaint narrative:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXXXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX XXXX XXXX and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX   XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXXXXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX NA XXXX {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXL Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX Balance : {$7900.00} Collections : XXXX XXXX XXXX , XXXX {$120.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My social security number has been stolen and is circulating on the deep web. I have reached out to American Express and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
have a XXXX XXXX financed through GM Financial. We have a series of 30 day lates in XX/XX/XXXX stemming from Hurricane Harvey, but have made on-time payments from XX/XX/XXXX to present. Below is a history of my attempts to have information reported accurately, and their response : XX/XX/XXXX : I sent the CEO an email asking for deletion of reporting errors stemming from XX/XX/XXXX. 



XX/XX/XXXX : CSR contacted me RE email and stated they reported late, and wouldnt change anything. I advised that practice was illegal per the FCRA, but he insisted it was their company policy. 



XX/XX/XXXX : Initial call with GM Financial AVP Customer Experience named XXXX XX/XX/XXXX : XXXX stated she would send us a letter stating that our XXXX and XX/XX/XXXX payments were made on time. She would reach out to us next Tuesday XX/XX/XXXX : XXXX stated that said letter would have to come from legal. 



XX/XX/XXXX : XXXX XXXX : XXXX stated on a call that she was unclear if the call was being recorded. She re-confirmed the following statement : No, you were not late for your XXXX or XX/XX/XXXX payment. I cant speak to why we wont send a letter stating that, but its the guidance our legal team has given us. 



She went on to state, Your XX/XX/XXXX payment was late, and we reported it as a late payment for XX/XX/XXXX. 



Additionally, XXXX gave us a non-working number when we asked for their corporate HQ and/or legal team direct line. 



Because GM Financial has on multiple occasions admitting that their reporting practices are in violation of the FCRA act, I am requesting that ALL late payments on account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Im submitting a complaint against TransUnion regarding failure to investigate. Per the email I received from CFPB Headquarters I was advised to submit another complaint before Im scheduled for my walk in appointment next Wednesday in DC. I have submitted multiple disputes with TransUnion regarding this fraudulent account on my credit file. TransUnion has told me several times that they only rely on whatever the creditors tell them and dont investigate beyond that. I am a victim of identity theft and the fraudulent medical bill on my account does not belong to me. TransUnion has refused to conduct an investigation. They just update the date on my credit report and type in Meets FCRA requirements as an attempt to pretend like they are investigating. I have requested a contract with my signature on it and proof that this fraud medical bill belongs to me. They have not been able to provide me anything and continues to rely on the false information that they are getting from XXXX XXXX. The willful and intentional negligence has been ongoing and TransUnion has failed to follow FCRA guidelines. The XXXX XXXX XXXX response from Transunion specially says they rely on whatever the creditor says. Documentation sent via email along with everything that Ive been thru since becoming a victim of Identity theft and how Transunion has failed to correct the fraudulent information and willfully neglected to do their job.

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