vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 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 Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureausIf this case is not resolved by removing these account/ debt that are not mine from my credit file then I will proceed file this case for ARBITRATION-as well as forward this complaint to the Federal Trade Commission XXXX If not resolved proceed and pay the fee to file this lawsuit ( case ) in court.

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 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, my I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$320.00}. I contacted XXXX and made payment for {$190.00} on XX/XX/XXXX per proof of payment on from my bank statement. I asked for a discount on the bill and XXXX told me that if I paid them right away that they could offer a discount of {$120.00} so I paid them that day and assumed that the account was closed. However, this was just the beginning. In XX/XX/XXXX I client found a home I wished to purchase and my mortgage broker called stating that Radius ( collecting on XXXX {$120.00} ) had inserted a negative item on my credit report and that I would be negatively impacted. It appears that the amount that Radius is attempting to collect and is reporting on is in the amount of the difference for {$130.00}. I now can not buy a home because of this. I'd like both creditors to contact my authorized Represenative to discuss resolving this XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - 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 non-monetary relief
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX at XXXX I made a call to Capital One about settling my account balance which lasted 20 minutes and 18 seconds. 

I was told the balance was XXXX and would need to pay XXXX to settle the account. I provided the representative with my card information and asked if I still had access to my online account to view the changes. I was told I didn't and that the account would be updated. 

Shortly after I received a letter from Capital One dated XX/XX/XXXX saying I made a payment and my remaining balance was {$79.00}. I called in to ask why the letter said I made a payment and not that I'd settled the account, to which I was told, it would update to the correct status in 30 days. My credit report reflected a {$70.00} something balance as well. Neither updated. 

On XX/XX/XXXX I received a notification from XXXX that my account from Capital One reported a late payment for XXXX, after the account was settled for the amount of {$290.00} as it does now. 

I have called 5 times since then and street clicking through the automated system I get the message that the office is closed ... at XXXX XXXX? Not likely. I've been working to build up my credit and this is doing the opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have already paid the debt for XXXX although they will not update balance on my credit. Paid in full on XX/XX/2020. 

Transunion will not update credit with XXXX and XXXX XXXX XXXX with correct balance. 

Transunion removed old pay off debt and reduced my credit score instead of raising the score up.

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 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX and XXXXXXXX XXXX- as well as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX comenity and others are actively extorting me and my ruined credit files from an unauthorized unlaful eviction in 2015. My credit, name, reputation, and personal files- now protected by law for deletion after two years- ( because deletion of other info prevents credit issuance and scoring ) are making any credit application impossible. The three major bureaus are feeding this extortion and acting like the XXXX XXXX  with my credit files- and despite statements PLAY A SERIOUS ROLE IN THIS EXTORTION. 

I have been denied a VA LOAN several times, over 20 credit cards, my info is blacklisted with some of these companies, I can not get XXXX care or pet care. THIS IS EXTORTION. IT STOPS IMMEADIATELY. I DEMAND NEW CREDIT AND FULL SCORING DATA! excuses like nothing is available are legal runaround for failing to release lawful scoring data- which in fact exists. GO FIND A BACKUP TAPE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: VI

Complaint narrative:
I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX and XXXX ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.

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 2020-11-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions, a collection company, re-aged an account and reported inaccurate and false information to XXXX and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to Radius Global Solutions during XXXX. 

Radius Global Solutions reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year 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 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am an user of Uber credit card issued by Barclays. On XXXX, there is an unauthorized purchase appeared on my transation activity. The merchant name is XXXX XXXX # XXXX and the amount is {$170.00}. After some initial investigation, the merchant locates at XXXX XXXX XXXX XXXX, XXXX, NC. The card is still in my possession, but I am in XXXX, California all the time and did not travel to North Carolina. So as my card, I keep it with me all the time in California and did not give anyone else. At this point, I suspect this unauthorized transaction comes from the credit card fraud. So I filed the Fraud Claim Form online and called the customer services. The bank promised to further investigate the transation will get back to me in one or two billing cycles and credited my account with the amount ( {$170.00} ). At the same time, the bank issued a new card for me. However, when I received the new card and activated it, they just bill the same amount XXXX {$170.00} XXXX to me again. On the next day, the bank issued me a letter saying that the investigation is done and transation is valid. However, this is an obvious fraud and related to their security for Uber credit card, but they had little words about what investigation has been done, why they think the transation is valid.

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 2020-11-25 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: MS

Complaint narrative:
Company did not provide me with physical documents verifying that the debt is mine, along with the signed Hippa rights. I have already filed an dispute. It remained. There are 2 XXXX Accounts on my credit file. I would like for them to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

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 2020-11-25 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: CA

Complaint narrative:
XXXX XXXX XXXX, a collection company, re-aged an account and reported inaccurate and false information to TranUnion and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to XXXX XXXX XXXX  during XXXX. 

XXXX XXXX XXXX  reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year 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 2020-11-25 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: CA

Complaint narrative:
XXXX XXXX XXXX, a collection company, re-aged an account and reported inaccurate and false information to XXXX and Experian credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX  was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to XXXX XXXX XXXX  during XXXX. 

XXXX XXXX XXXX  reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to Experian. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year 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 2020-11-25 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: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial is reporting a repossession on my credit report. I was never properly notified that my car was at risk of repossession. They never served or attempted to contact me. They used this strategy as punishment because I asked them to cease and desist from calling me every day when I'm just one day late. Prior to this, I had long term history-making payments to them and therefore was surprised when I walked outside to discover my car was gone without any notification. As a result, I had to pay to redeem my vehicle and additional fees. I've tried contacting them to correct this to no avail. Their practices were unfair, unscrupulous and they violated my rights by failing to notify me. These kinds of acts should be stopped.

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 2020-11-25 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: MI

Complaint narrative:
I have disputed 2 publuc records that are not mine and the credit bureau did not remove the error. Both XXXX  and XXXX removed this incorrect information from my report. I can not reach anyone by phone even though the information im inputting is correct. Its only giving me an option to correspond by mail. I contacted the court and they also could not give me any info on these inaccurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX 2 charges was posted on the account for which 3 fees of {$35.00} a piece was charged for a total of {$100.00}. One of the charges was for a {$25.00} transferee to savings! The other was to XXXX. Don't know why there was a third {$35.00} charge. I have been here before. Complaint # XXXX was filed on XX/XX/XXXX and in it I strongly objected to these overdraft charges and asked that they not be charged again. That was after a trip to the bank and having a discussion with the branch manager. But here we are again. DO NOT PAY ANY CHARTGES IF THERE IS NOT ENOUGH MONEY IN THE ACCOUNT! I was told that the bank does this as a benefit to me but the only one benefiting is the bank with these $ XXXX charges. STOP IT!!!! I even received a letter from the bank dated XX/XX/XXXX saying that if you do not want the overdraft service please let the bank know. Really? How many times do I have to tell you?

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 2020-11-25 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: AES/PHEAA
State: MI

Complaint narrative:
XX/XX/XXXX Fed loan servicing reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  reported a late payment. After speaking with the representative it was concluded that a representative neglected to process a loan repayment application I completed XX/XX/XXXX. No notifications were sent to me that this application was not processed. This is the only late payment that I have and it is not my fault. I was told by the representative to dispute it through the credit bureaus which I did and it still was not corrected.

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