vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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 am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Receivables Management Corporation
State: SC

Complaint narrative:
Receivables management has re-aged old debt thats almost 10 years old on my credit to make it look and seem as if its only first reported on XX/XX/2017. And I have proof that in 2017 there was no way they could have contacted me or known where I was at to inform me of any such bill of XXXX . And I was never contacted or informed by the original creditor as well because of me being underage when it was first reported. Im XXXX and was XXXX when the bill was first made and to young to even pay such a bill. After 7/years now this collection agency has re-reported the same collection to re-age it. Which is a clear and direct violation of my consumer rights.i have hired XXXX XXXX XXXX to dispute these reports-aged collections and we are now in escalation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
Receivables management has re-aged old debt thats almost 10 years old on my credit to make it look and seem as if its only first reported on XX/XX/2017. And I have proof that in 2017 there was no way they could have contacted me or known where I was at to inform me of any such bill of XXXX . And I was never contacted or informed by the original creditor as well because of me being underage when it was first reported. Im XXXX and was XXXX when the bill was first made and to young to even pay such a bill. After 7/years now this collection agency has re-reported the same collection to re-age it. Which is a clear and direct violation of my consumer rights.i have hired XXXX XXXX XXXX to dispute these reports-aged collections and we are now in escalation.

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 2019-11-13 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: GA

Complaint narrative:
A joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
A joint vehicle loan was paid off on full as a trade in by the 1st/ main account holder in XX/XX/XXXX. I had filed bankruptcy in XX/XX/XXXX and it was closed on XX/XX/XXXX. The credit reporting agencies report has incorrect info as it being included in Bankruptcy and a last activity year of XXXX. I have disputed this multiple times with no correction.

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 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Collection company is attempting to collect on a debt that was removed from my credit profile previously and now they have replaced it back on my profile. I believe this is intentional to cause me catastrophic harm to my credit profile. Moreover, I never signed an agreement with this creditor at anytime for any reason.

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 2019-11-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank stated I applied for a car loan on XX/XX/XXXX. I did not apply nor sign the agreement as the agreement has no date mail to me by Chase Bank nor is that my signature. I applied for a car loan with XXXX  XXXX XXXX  in which I had a loan already with them and was approved when buying the XXXX XXXX XXXX  on XX/XX/XXXX is the day I applied for credit to purchase the XXXX XXXX XXXX. The document sent to me by Chase Bank where who ever sign my name with no date. as to the contract mailed to me. That is not my signature The contract has the wrong date of birth as the wrong social security number as stated on the as PA does not have drivers lic numbers as stated on that contract. Wrong Social Security Number Wrong date of Birth.Only thing right is the las 4 numbers of my social security number all date of birth driver lic is all wrong and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF 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 2019-11-13 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: CA

Complaint narrative:
I applied for a credit card at my bank today XX/XX/19 and I was not approved because there is an account reflecting badly on my credit report. This account is not mine ' I did not open it and i have never given anyone permission to open this account on my behalf. I don't know who this account belongs to nor who could have stolen my personal information to open this account with my personal information but I have already filed a police report. I did not benefit anything such as goods, services or any other benefit from this account and I did not take part in any payments, purchases or any other transaction with this account. I also do not have any contract or relationship with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I wrote 2 checks. Each was for {$54.00}. The payee was the Treasurer, State of New Jersey with regard to filing fees for a Small Claims Court lawsuit being commenced by my beloved wife XXXX and me. The checks were never cashed. The Court never filed our 2 complaints. And so I placed stop payments on the 2 checks. 

The Bank of America charged me {$30.00} in stop payment fees FOR EACH CHECK! This is an exorbitant amount of money to charge me! 

I had no choice but to stop payment on the 2 checks because they were never cashed and the 2 complaints for the 2 cases never filed by the Court. 

I did not stop the checks for any mistake on my part. I stopped the checks because, to repeat, they had not been cashed and the 2 complaints-1 check for each-had never been registered or filed by the Court. 

Yet Bank of America refuses to reverse the stop payment charges or make any adjustment at all even though I stated I would complain to the CFPB if they were not reversed which I am now doing. 

I even offered to pay a lesser stop payment fee such as {$10.00} but again the Bank of America refused to do so! 

Outrageous! And I am a senior citizen of advancing age who should not have to be put under such stress as the Bank of America is causing me by their adamant refusal to refund the {$60.00} in stop payment fees or agree to any lesser sum at all!

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 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
After receiving alert from credit monitoring I tried contacting Nationwide recovery SY. I was unsuccessful. I have never received any communication from this collection agency and don't know who they are or why they just started reporting this negative remark on my credit. I have no knowledge of this fraudulent debt they're claiming I owe. They are violating by reporting fraudulent debt and not sending any verification of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: NV

Complaint narrative:
Hello, I have contacted the collection company Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX at XXXX XXXX XXXX to let them know that they are incorrectly putting a collection in my credit report. They said that this bill is for a property in Texas. They also asked me to provide a bill and to file a police report so they can remove the collection. It is impossible for me to obtain a bill for a utility in a property in Texas because I have never lived in Texas, I dont even know the address that the utility was for. There is no way for me to stand up for myself at this time. Right now this is hurting my credit and I am unable to refinance because of this collection. I have contacted them many times to see what they can do but I always get the run around and I have attempted everything I could without having to file a complaint with you guys ( the CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I  would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.

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 2019-11-13 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 am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX XXXX  # XXXX XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.

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 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jacob Law Group, PLLC
State: MS

Complaint narrative:
I received a letter from the Jacob Law Group , PLLC, that was dated XX/XX/XXXX. The letter was an attempt to collect an alleged debt in the amount of {$2300.00}. I had previously disputed this debt with two other entities in XXXX and XXXX and never received validation from either company pursuant to the FDCPA. This company is attempting to collect on an unverified and unvalidated debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I applied for a credit card today. I was denied access to credit with the reason " not approved at this time because : you have recently been past due '' I found this odd, I don't believe I have been late on a payment so I pulled my XXXX  credit report to verify. I looked through all 26 pages and not one late payment reported. I would like to know who is approved and ensure there is no discrimination because the reason I was denied is inerrant so there is a different factor weighing into the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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 ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF 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 2019-11-13 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 ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND IT IS CAUSING DAMAGE TO MY CREDIT FILE. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I sent TransUnion several address disputes. There are a total of 15 incorrect addresses on my consumer report. I asked Transunion to look into these addresses and remove them from my report. On XX/XX/2019, TransUnion sent several consumer reports back to me, with the exact same information on them, and no updates or information about any review being completed. On XX/XX/2019, they also sent a separate letter saying my correspondence was " illegible '' and they could not process anything from any of my prior letters on XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I Did a title loan on my car a XXXX  XXXX XXXX XXXX to XXXX On my monthly payments they want Payments of XXXX honors and something a month and if I am late then I have to pay a little over {$800.00} a month I can not afford. I'm on a fixed income of XXXX of Of {$720.00} a month.. I receive my XXXX on the XXXX of the month and I also have bills and rent to pay as well Out of the XXXX I need to pay title Max over {$500.00} a month for the loan and sometimes i don't have enough to buy food or pay my electric or my rent on my fixed income so if i pay partial of my loan payment they charge me {$800.00} I don't even get {$800.00} a month and my XXXX therefore there's no way I can survive pain electric bill food or rent and {$500.00} a month on this loan I went in there a few times because I was I was O I'm a few days late so instead of paying $ 500 day were charging me {$800.00} which I don't have and I tried to give them {$600.00} they refused to take the {$600.00} said that they were going to repossess my car My car is the only thing that I have that I own in a did this title loan and I'm on a fixed income and they are just over charging me and threatening me every single month that they're going to come and get my car because they know that I can't make the payment I feel I'm taking advantage of them knowing that I can't afford it and they did the loan just that with a can take my car that I own they wont-work with me on payments or anything whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
COMENITY CAPITAL BANK XXXX XXXX WAS NOT LISTED IN BANRUPTCY, BUT OTHER CARDS WERE. THIS ACCOUNT SHOULD HAVE BEEN PAID IN FULL BY ACCOUNT ASSURE BECAUSE OF I.D THEFT CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied a XXXX XXXX XXXX on American Express which said there's a {$220.00} welcome offer through my friend 's refer link. And I know it is XXXX according to the public offer. So I apply the card through the link. When I finish the application there's a notification pops up said that the offer may not applied to me but further credit checking is needed. I assumed that maybe the banker need to check my credit history and change the amount of the offer which I'm also OK with it. So I click the " accept '' and wait the checking. However, when I received the card they told me there's no welcome offer eligible on my application because multiple factors like credit history, number of accounts open and closed recently or if I had the same card before. However I have never missed any payment on all my accounts which gives me a good credit score. I have never had this card before. And this is my 2nd or 3rd card at most in 12 months and 5th in 24 months. They even can't explain to me about what is the reason. However they said the offer needs more checking in the following process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I was contacted by email by the company Credit Acceptance regarding a vehicle purchase from their dealership in Arizona. I responded to the email with inquiry as to how a vehicle was purchased in my name when I don't possess a driver 's license and have never been to the state of Arizona. 
I was sent a packet with the loan details inside with address on the contract as : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona XXXX. The seller information as : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Arkansas XXXX. The information on the vehicle as : Used XXXX XXXX XXXX XXXX XXXX - Color ( White ) - VIN - XXXX - Odometer Reading - XXXX. 
The company also sent a fraud packet for me to complete however they need me to provide my identification card and social security card copies because the account could not be pulled up on the automated system by my social security number. Also, the person whose name is on all of the documentation no longer works for the company.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has not provided me with no proof or contract or sign agreement with XXXX that shows on my credit file. There has been no contract on behalf of Transunion nor XXXX that shows I agreed for century link to run hard credit XX/XX/ as it appears on my credit file. I have also file with the US Attorney on Transunion and XXXX XXXX to provide the document that shows I agreed to run credit or a agreement that show my signature for the said credit transaction. Transunion needs to provide proof from XXXX in documentation for not verbal or some made up XXXX of XXXX with nothing to support the claim in writing, contract, electronic signature of the said transactionXX/XX/19 by centurylink

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