vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I am a victim of identity theft and there are fraudulent accounts reporting to my Early Warning Services consumer report Early Warning Services Consumer ID : XXXX. These accounts have been proven to be identity theft and Early Warning Services has not removed them after my request. I have provided proven documentation of fraud and identity theft. I have provided all documents required to have these fraudulent accounts removed/ blocked from my report with Early Warning Services. The documentation consist of a the Federal Trade Comission Affidavit notarized, XXXX XXXX Police Report showing accounts ( XXXX XXXX XXXX and XXXX XXXX XXXX ), Signed Letter with identifying accounts, proof of identity and address. I am requesting that Early Warning Services remove these accounts immediately. The account ( s ) I am requesting to be deleted are ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : Unknown ) and ( XXXX XXXX XXXX : Opened : XX/XX/2016, Account Number : XXXX, Balance : {$200.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The account BK OF AMER is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
I requested to cancel my account and I was told by the online customer service associate that I couldn't do so. The maintenance fee of {$12.00} per month is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Experian report. The following dates this remark has been disputed in 2019 : XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- Report # : XXXX XX/XX/XXXX, 2019- via CFPB, XXXX XX/XX/XXXX, 2019- Report # : XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested several times for information to validate your findings with XXXX. XXXX ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX XXXX listed informed me that they do not work with credit reporting agencies like Experian therefore they could not confirm nor deny any information. Experian continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019, stating the vendor has claimed the information as accurate. Theres no proof Experian verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Experian. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
To whom It may concern A debt collector company I.Q. data International, INC contacted me through the phone on XX/XX/2019 to collect a debt. According to the IQ data, I owed XXXX USD for move out charges, damages, maintenance and repair to my former landlord, XXXX XXXX, XXXX. On XX/XX/2019 I sent a USPS certified mail ( # XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX to confirm this debt. Up to date, I never received any response from my landlord. In addition, IQ data never provided the name of the contact person at XXXX XXXX who contacted them after several writing requests. Furthermore, I asked in writing IQ data to send a copy of the incurred expenses ( maintenance and repairs ) receipts/invoices. But IQ data never provided any receipts to me as proof that such expenses occurred after my moved out. IQ data instead hand-circled number in my leasing contract and makeup a list of expenses which were very suspicious of any attempt of scams. Finally, IQ data reported this case in my credit record ( XXXX ). Im filing a complaint to remove this collection from my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I returned a leased XXXX XXXX on XX/XX/2019. Lease end was on XX/XX/2019 I returned it to an auto broker of my choice in XXXX XXXX CA XXXX XXXX. The same day I also lease a new vehicle. All financing has been through Toyota financial services. After a couple of months, I started receiving calls and letters from the lease end department. I spoke to XXXX # XXXX. The car had not been grounded and were still tracking what XXXX dealer had received it. Later I was told by XXXX # XXXX the car was grounded on XX/XX/2019 My credit score has been adversely affected they reported to the bureau as 30, 60, & 90 late payment. I do not own those car payments. The vehicle had been returned. I ask to put my status to current on time. When I contacted XXXX agent # XXXX on XX/XX/2019 she said when the car is grounded, they would report to the bureau to remove the negative marks. She advises to write a letter to their Toyota financial credit dispute department, but no action was done. I contact Toyota customer experience and spoke with # XXXX XXXX. All they did was waive {$350.00} disposition fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/2019, a purchase from an organization titled as " XXXX '' appeared on my bank account for an amount totaling {$72.00} plus a {$2.00} international service fee from the same organization. I did not purchase any product or service that day and did not know about the transaction until my financial institution, TCF bank, alerted me of possible fraudulent activity. I had told them that I had not instigated the transaction, so they went forward by freezing my account. I was not automatically refunded for my money, as I was told that I was responsible for calling the organization to issue a refund to my account. After being given the phone number of the organization, I attempted to call and was never able to contact someone. At this point, I expected that the organization may be illegitimate and asked my bank to contact the company since I had no luck talking to someone. Afterward that conversation with TCF bank, I was instituted a provisional credit for the amount that appeared to be stolen from my account. On XX/XX/2019, my provisional credit was reversed. I was told that after investigation, they had come to the conclusion that I had benefited from the transaction made to the organization. When I asked how they came to this conclusion, I was told that the details of my case could not be provided unless I submitted a written report to my branch or mailed it in. I was unwilling to do this, as I did not believe that further investigation would cause TCF to change their mind and I was already frustrated at the amount of time I had spent trying to get my money back, figuring that the extra time would probably not be worth the money that was stolen. I still do not understand how they believe that I benefited from the transaction after they flagged the payment as possibly fraudulent, especially when I have had no other history of suspicious activity on my account for the many years that this account has been open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received an email from Experian a couple days ago stating that my credit score had decreased ; it dropped by 20 points. I have not done any activity related to my credit. Therefore, I tried contacting them to their customer service phone number, and every time I press the option to speak to someone the call keeps dropping. The same problem happened last month when I try to reach them for a different inquiry. I spent three weeks calling the phone number until someone finally answered. This is very frustrating and unacceptable. This company needs to fix their phone system right away. They are affecting peoples lives by messing with their credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: TN

Complaint narrative:
I was denied credit on XX/XX/2020 from The XXXX XXXX based on information obtained through Equifax. After a review of my credit report I found that Equifax is still reporting inaccurate information. Their failure to correct my report has caused a delay in an offer for a job and now a denial of a credit card. Specifically they continue to report outdated, inaccurate, and incomplete information. 

XXXX # XXXX Reporting payment status as ( bad debt & placed for collection ) This account is paid in full and reporting on XXXX and XXXX as paid XXXX XXXX # XXXX The payment history is inconsistent, inaccurate, and Equifax legally failed to verify. 

XXXX has removed the payment history for this account as it could not be verified. 

In addition to Equifaxs data breach and other violations they have shown a pattern of neglect. Specifically, No response to disputes, Failure to investigate, Willful negligence. 

XXXX XXXX has also had a pattern of not responding and verifying information. The have an F with the XXXX XXXX XXXX for that exact reason. 

Overview of XXXX Ratings XXXX XXXX XXXX XXXX. 
Reasons for Rating F XXXX XXXX XXXX XXXX. 
Failure to respond to XXXX complaint ( s ) filed against business XXXX complaint ( s ) filed against business

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have an account with XXXX XXXX. Unfortunately I lost my job and I had my first baby and recently gave birth again so I have been having financial hardship. This account though has been harassing me daily calling from different numbers about 7 times a day and recently they some how got a family members number and called them to tell them I had 24 hours to contact them. I dont know how they got their number. I dont appreciate being harrassed daily numerous times. I always paid on time until recently that I've fallen into hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my Transunion report. The following date is when this remark was disputed via CFPB : XX/XX/2019- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with XXXX or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with XXXX via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like Transunion, therefore, they could not confirm nor deny any information. Transunion continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof Transunion verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by XXXX that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with XXXX via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the XXXX report showing no reporting Chapter XXXX Bankruptcy Ive submitted to Transunion. Ive even attached my Equifax report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have excellent credit, however all of my reports are frozen due to identity theft concerns. When I initially applied I was turned down and the letter that was sent to me said to unfreeze my XXXX report and reapply. I did this and was turned down again. I tried calling twice and finally got someone who said to unfreeze all three and try again. I did this and I am still getting immediately declined without being asked any questions etc. I have not received any other decline notices so I don't know why I am being declined and PayPal will not tell me over the phone. I am very frustrated. This credit is the only one I can use on XXXX so it's very inconvenient to not have it available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On Saturday,XX/XX/XXXX, I made a phone call in the morning to the bank requesting the card to be changed to a different card that comes without annual fee, and got approved. However, the account didn't get updated at all since then. 

On Thursday, XX/XX/XXXX, I used online chat to connect to a customer representative, and learned that the product-change request was actually put on hold and was told this whole process might take 2-4 weeks, which is absurd and preposterous, and completely  unacceptable. 

Then I decided to cancel the account, to save time and trouble. Again, my request was approved, and I was told this change will be put in place within 24 hours. 

However, as of now, when I log into the online account, there is still no sign of updating or change to be made to the account, nor did I receive any confirmation email from the bank. I believe that once again, I was being played and tricked by their ruse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
This letter is regarding the Chapter XXXX Bankruptcy remark filed in XXXX, Ga on my XXXX report. The following date is when this remark was disputed via CFPB : XX/XX/XXXX, XXXX- via CFPB, XXXX Ive reached out via certified mail, through your dispute portal via web and through the Consumer Financial Protection Bureau . Ive requested for information to validate your findings with LexisNexis or the secondary agency you receive your public records from. Youve ignored my requests even with proof attached that their verified consumer report states there is no active nor dismissed case. I have spoken with LexisNexis via phone as well as paper trail getting the same response from the company. The XXXX Court listed informed me that they do not work with credit reporting agencies like XXXX, therefore, they could not confirm nor deny any information. XXXX continues to report unverified information about a Chapter XXXX Bankruptcy without proof of your findings. A general statement was responded back to me via CFPB XX/XX/2019 and mail, stating the vendor has claimed the information as accurate. Theres no proof XXXX verified this information via paper trail besides sending a vague updated resolution letter that states the information is verified. Ive provided documents by LexisNexis that contradicts your findings. 
This is my final attempt at reaching out via CFPBs website and paper trail before having no other choice but to take legal actions. Under the FCRA, all information being reported must be verified, not falsely reported. Please AGAIN, submit proof of your findings with LexisNexis via mail and by uploading through CFPB site for my records. If you cant verify the information as accurate as well as provide documentation, please remove the remark from my credit report. 
Attached is the LexisNexis report showing no reporting Chapter XXXX Bankruptcy Ive submitted to XXXX. Ive even attached my XXXX report showing how another reporting agency is correctly reporting the information. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation