vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-14 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:
Several fraudulent accounts and the reporting of a bankruptcy that's been dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: ROCKFORD MERCANTILE AGENCY, INC.
State: FL

Complaint narrative:
I requested debt validation of 3 medical collection accounts reporting in my credit reports. The collection agency forwarded the documents which I attached. I forwarded those documents to the 3 credit reporting agencies and XXXX  and XXXX agreed that the documents were not in compliance with the FDCPA laws and deleted the collections from XXXX   and XXXX  credit reports but, XXXX  continues to report the incorrect information. Please review the attached debt validation documents and notice that the documentation is NOT signed and the documents do not give the collection agency 's licensing information or authorization to collect a debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
REF : XXXX REF : XXXX LETTER OF SUPPORT To whom it may concern, On the night of XX/XX/2019 Ive managed to order the batch of items on XXXX for the full amount of {$1400.00}. All of them have been delivered to my business storage located at XXXX XXXX XXXX XXXX XXXX NY XXXX during the period of XXXX. 

However, every piece of item been either partially damaged due to mishandling, or not looked at its been described online. Due to that fact, Ive requested to return these following XXXX 30 Days Return Policy. As been requested Ive managed to pack and shipped items back to different XXXX Facilities located in KY. 

All the shipping labels contained reference number for the returned items and could be find attached. 

Nevertheless, even though all items have been succefully returned to the XXXX, only partial refund on {$900.00} combined have been issued from 3 separate charges combines to my AmEx Business Platinum Account ending in XXXX : {$450.00}, {$210.00} and {$740.00} respectfully. 


Since all the packages succefully have been returned to XXXX within the companys policy, Im asking AmEx to adjust the charge and refund back to my account the amount of {$500.00} the difference which hasnt been issued yet. 


For your convenience, please consider attached : # 1 : Order Details from XXXX # 2 : Copies of the shipping labels # 3 : Copies of the XXXX tracking information with a proof of delivery Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: WA

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about A XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX  XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND 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 2019-11-14 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:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history. and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I got an identity theft report and police contact in my city. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report Chapter XXXX Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX { XXXX. XXXX. XXXX. I see some inquries on there as well that I dent know about XXXX XXXX. XXXX  XXXX  XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX, XXXX   XXXX. XXXX XXXX XXXX XXXX  AND 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 2019-11-14 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-14 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have request from National Credit System paper work on why they are trying to collect for XXXX XXXX XXXX  over {$4700.00} Dolls, XXXX XXXX XXXX  fail to deliver an Itemized letter of any Allege money owe to them. 
When I call XXXX XXXX XXXX after i find out in my credit report of Amount allegedly owe, I was told that they did not have any paperwork to give me for the allege debt because old management was not there any more and new management had nothing to do with allege debt that National Credit System was trying to collect.

National Credit System purchase alleged debt from another company and either company was not able to produce any paper work of why they are trying to collect {$4700.00} dolls. No one deliver a letter of itemized item 's of how the alleged amount come to be, I want answers from National Credit System on why they are trying to collect and illegal debt and and illegal amount with no proof of debt owe, no paper work!. National Credit System has Also tried to intimidate me with many phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. In result I got in contact with my local police and the federal trade commission. I need your help now, please. I need these items deleted from my report. I'm working on this all on my own XXXX   XXXX. There are a few inquiries I see that are not mine as well XXXX XXXX. XXXX/XXXX, XXXX/XXXX  ond 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 2019-11-14 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: WA

Complaint narrative:
Equifax ; XXXX  and XXXX  are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
I truly have no idea what these claims are on my credit report I know I have unpaid hospital bills and 1 car repossessed but that is it.There is a claim as of XXXX and XXXX when I know I haven't accumulated I have medical insurance now and have for past couple years.I was Young and didn't understand the importance of my credit but I now know just can't figure out how to fix it no one will help me because of my credit score related to a bunch of negative inquiries that I have no idea what it is please someone help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-11-14 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at Capital One Bank. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX  Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named XXXX XXXX which the Capital One accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted XXXX XXXX as well. XXXX  agent and myself contact Capital One and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with XXXX XXXX and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: WA

Complaint narrative:
XXXX  ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On ThursdayXX/XX/2019. I noticed that my personal checking account and the joint account I shared with my wife were both in the negative by approx. {$1800.00}. I called my wife and asked her to check her account and it too was in the negative by the same amount. I deduced that this was the Ma. DOR debiting what I owe from my account. Fair enough. On Friday XX/XX/2019 my paycheck for {$1000.00} ( Approx ) was deducted from the negative balance in my account leaving me with a negative {$770.00} balance. I figured they would deduct the remaining balance from my wife 's account and that would be that. Checking my wife 's account we discovered that they had taken the entire {$1800.00} from my wife 's bi-weekly paycheck leaving us with {$200.00} to our names. I assumed they would refund my check back into my account since they now had over {$1000.00} more than the DOR had ordered them to hold. As would be the case many times over the next few days I assumed they were an honest company, this is far from the truth. I went to the DOR  and spoke to the tax examiner assigned to my case who told me that if the amount I owed had been deducted from my account that the lien could be released and my funds returned to me. Bank of America has refused to return my funds. It has now been a week and I've had to jump through hoops to avoid anything from being deposited into my account for fear that they will simply steal it as they previously have. I am at a loss as to what to do, but their action is criminal in my book and should not go unpunished. If I ever get my funds back I will close any account I have with them and urge anyone I know not to use this criminal organization.

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 2019-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
They are trying to have me pay. I am not able to pay anything due to XXXX  and not being employed. I am desperately struggling paying this loan back while having other obligations beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX is reporting accounts that are invalid and unverified. XXXX has investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA if its a collection because this is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
BMW Financial Services continues to report an auto loan on my credit report, despite me receiving a discharge from a bankruptcy in XXXX. I filed a bankruptcy onXX/XX/XXXXand received a discharge in XXXX, XXXX. However, they continue to report the status of the account. In XXXX, XXXX and XXXX, XXXX, they reported the account 30 days late. This is in violation of the bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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: LEXISNEXIS
State: OH

Complaint narrative:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES 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