vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AR

Complaint narrative:
Someone stole my identity and started opening accounts in my name.

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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: DriveTime
State: NV

Complaint narrative:
I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX unlawfully charged my Discover card for {$75.00}. When I contacted Discover about this issue and to not honor XXXXXXXX XXXX  said fee, I was ignored and the said amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AR

Complaint narrative:
Someone stole my identity and started opening accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: AR

Complaint narrative:
Someone stole my identity and started opening accounts in my name.

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 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
My XXXX XXXX XXXX was stolen from XXXX XXXX XXXX on XX/XX/XXXX. My insurance company nor XXXX want to be held liable for it. I have been paying the {$870.00} note since XXXX. I reached out to both and they are giving me the run around. My insurance was current and I was told to park there by the Rental car center

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: OH

Complaint narrative:
On XX/XX/XXXX, I submitted a dispute with Experian about my XXXX  XXXX account that is reporting on my Experian tradelines. I was impacted by the covid-19 pandemic and was instructed by XXXX XXXX to contact the credit bureau to dispute the negative information reported on my account. My account was reported Thirty days late and XXXX/XXXX  agreed to delete the information and for me to dispute the account. 
The dispute was submitted on XX/XX/2020 ; on XX/XX/2020 I received a email stating that the dispute was completed and there was no change. 
Experian did not fairly or accurately investigate my dispute information. 
The error was not fixed on my tradelines.

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 2020-11-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX, I filed a dispute with Equifax regarding some inaccuracies on my credit report. They received my letter on XX/XX/2020. I did not receive any responses on their behalf. This is not in compliance to the FCRA as I was supposed to receive a response within 30 days of filing my dispute and this was also the second dispute I filed with this company. The first dispute was filed on XX/XX/2020 for which I did not receive a response either. I certified my mail and was able to track the dates and times that it was received from USPS. Their lack of investigation compliance is impeding me from correcting my report and because of it I am experiencing a lot of turmoil as I can not purchase a home for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I know dates are from today XX/XX/XXXX back in XXXX i was given a lot of inquiries of my credit report that was not only false but because I asked to do soft pull rather then taking my points off my credit score and I need to dispute all my inquiries from all credit bureaus can someone please help me I was told to contact here t get some help

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 2020-11-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
XXXX XXXX University manipulated me into registering for my 1st course, without properly informing me of deadlines regarding drop dates, as I dropped course a day after deadline and school advised me then that I had to pay full amount of course, close to {$2000.00}!! What a horrible situation, as I was unable to receive service from advisor related to having second thoughts in registering for class, but the advisor was quick to recruit and convince me to register. Its as if they are aggressive with communication until they lock you in. Very unfair business practice. Please have them remove me debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
I have a large purchase loan through Prosper. I am disputing the 30 day late payment that you recently recorded on my credit report. My bank denied the initial payment back on 10/3, suspecting fraud. I immediately reached out to your company to process a second payment. This was never processed on your end. The funds have been available, and a subsequent payment has been made and processed. I have also attached a bank letter from XXXX outlining the payment rejection and fraud claim. Please update or remove immediately the late payment that is currently showing on the account. I have made multiple attempts to reach out to Prosper customer care via email with no response. 
I would also recommend that Prosper send an email to their customer when they have communication of any kind on their account so that one can immediately access this information without delay. I never received any email communication regarding this issue and or a phone call.

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 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
4 months ago I applied for the American Express Magnet Card that came with a XXXX signing bonus once you spend XXXX $ in the first three months. So I applied and got accepted within minutes and I had a debt I had to pay for college so it was a good deal for me. I payed up my college debt of XXXX using the card after three days of receiving the card and I was told by a representative that I will soon be getting my XXXX $ bonus in a couple of months in my account statement. Two days ago on XXXX I called and they told me retroactively I want eligible for the promotion and will not be getting the XXXX $ bonus. This after their representative explicitly told me I will be getting the bonus ( which they dont dispute, they said he needed coaching ) so I was never informed that I wasnt eligible and actually was explicitly told I will be getting the bonus so Im very disappointed in their customer service and their lack of ethical behavior. I wonder if this has to do with deep seated systematic racism that has transpired over the numerous phone calls Ive had with this company. I can only hope that during this challenging time that a company like Amex will not let such a travesty occur ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: Statebridge Company
State: AZ

Complaint narrative:
In XX/XX/XXXX XXXX  I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX. 

In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX  go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current. 

Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX. 

Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from Statebridge was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with Satebridge re-reported illegally and damaged my credit scores. 
I disputed the account first with XXXX  and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and XXXX  when it hadn't reported before only on XXXX. 

So then I disputed it with XXXX XXXX and XXXX  and it was deleted from XXXX XXXX in XX/XX/XXXX. 

XXXX  has been the most difficult in not responding to my disputes. They updated the balance to XXXX and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations. 


This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage. 

I again recently disputed the account with XXXX online and I need to get this correct in 30 or less releastically immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Apex
State: PA

Complaint narrative:
XX/XX/2020 I agreed to have a third party to handle my Federal Student loans. Unknown to me they were not a legitimate or trusted company. The Company Student Apex told me that they will help consolidate my federal student loans, help lower my principle, and help me out of delinquency. I agreed to allow them to do this. 
On XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 {$190.00} was removed from my account under the assumption that Student Apex was transferring the funds to my Federal Student Loans. Upon returning to the States after the summer I began reviewing my Student loans and discovered that my loan were still in forbearance. I called my Loan Servicer to gather information and additionally discovered that they had not received and funds in the last 6 months for Student Apex. The total amount that was withdrawn from my account from this company totals {$1100.00}. 

Again, after making several attempts at contacting Student Apex via phone and email I called my bank and cancelled my card. Additionally I placed a fraud alert on my account starting XX/XX/2020

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: CA

Complaint narrative:
I have disputed the listed inquiries on several occasions, recently back in XXXX of 2020. I have not opened any such accounts with the listed inquiries. Please review and dispute on my behalf, thanks.

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