vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
There is no evidence for my debt, and none has been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
Elevate Recoveries , LLC reported a mark on my credit file regarding a debt. They reported false statements on their letter stating they are licensed in Tennessee. This mark should be removed. They have misrepresented the Tennessee Collection Service Board of the Department of Commerce and Insurance. They are violating State licensing requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: PA

Complaint narrative:
FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

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 2021-02-28 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:
please remove these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am submitting a second complaint regarding Medical Data Systems. They claimed in the first complaint that they addressed the issue and supposedly provided attachments. However, the attachments did not address the issue at hand or the reason for the complaint. MEDICAL DATA System is the collection company for XXXX XXXX XXXXXXXX system. I had an allergic reaction to medications and was told by the ER to return because the first time they provided treatment was not adequate. Hence, they charged my insurance and an ER copay 2 times for the same issue on 2 different dates for an issue they did not provide accurate attention. Furthermore, I had to go to another hospital on the same day because they medical condition was not adequately handled. I was told I would be charged 2 ER copays for the same in adequate treatment. I have contacted the hospital, and it is never handled correctly. What else is there to expect!! These accounts need to be deleted from my credit report. HOW CAN THE HOSPITAL CHARGE 2 COPAYS FOR THE SAME CONDITION that was not treated correctly- back to back. LOOK AT THE DATES>

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 2021-02-28 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:
please remove these items

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 2021-02-28 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: LA

Complaint narrative:
Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my transunion and experian accounts immediately

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 2021-02-28 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: LA

Complaint narrative:
Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my XX/XX/XXXX and experian accounts immediately

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act XXXX FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : XXXX XXXX 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 explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). I am demanding a reinvestigation and I would a freeze placed on my file for the two fraudulent accounts listed below. The specific information under dispute is fraudulent. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to open a bank account with XXXX XXXX XXXX XXXX. They denied me, they told me contact XXXX XXXX So I ordered my XXXX XXXX Report. I saw that it said that I was suspected fraud activity. The charge amount was {$2000.00}. 

It also states that at the time of this happened I was living at XXXX XXXX XXXX XXXX, GA XXXX. I have never resided at that address before, nor do I know anyone that lives at that address. 

I have been homeless 15 out of the last 16 years. I would never and have done anything like that before. Someone stole my Identity in 2016 from a XX/XX/XXXX shelter. I repeat I did not open that account with Bank of America. I'm trying to get my life back on track with the help of family and organizations. I ask that you help me navigate my way getting me out of this situation.

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 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
This debt was a XXXX XXXX claim it happened on the job. The debt belongs to XXXX XXXX. This is not my debt! I have told all the people involved yet they are still trying to come after me for the 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 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Entered into payment plan for card in order make payments more affordable. Card representative did not disclose payments made according to the payment plan still counted as late payments. This resulted in four late payments for 2020. I would not have entered into payment plan if representative disclosed I was still subject to original payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: PA

Complaint narrative:
FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 sent a dispute to Transunion on XX/XX/2021. These inaccuracies are seriously harming my credit with my Credit score being XXXX. These accounts were never verified after multiple attempts to reach XXXX directly and didn't receive any response .Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved. Under the FCRA, unverifiable accounts must be removed and I was never provided a copy of verifiable proof, the account must be removed. I also have mail receipts attached as well.

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 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-02-28 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Synchrony is claiming I owe them XXXX still. I paid odd the account in full in XX/XX/XXXX. I have solid proof.

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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I have sent this company over 1000 emails asking for written documentation regarding this debt. How it is owed, who it is from, how it is linked to me and my options to remedy the situation. They have promised me they will send me something in the mail immediately and then never do so. I have also phoned them dozens of times and written them via US MAIL requesting this information. They have lied to me and threatened me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 {$340.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, This complaint is related to complaints opened already XXXX XXXX I have been receiving bill pay cheques sent to companies back directly to my home address. 

I received the check sent from XXXX XXXX. I tried to Stop payment on the cheque sent through wellsfargo bill pay account. 

When I click on stop payment, on following cheques, the action doesnt result in any result. Money is not credited to my account. I dont receive an email acknowledging my request for stop payment. 

XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX XX/XX/21 XXXX, XXXX. {$20.00} XX/XX/21 XXXX EditDelete

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 2021-02-28 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I sent out letter to have the debit from Wells Fargo removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with Wells Fargo XXXX  XXXX  and XXXX  immediately.

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 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-02-28 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: IL

Complaint narrative:
I HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX XXXX XXXX  and XXXX  immediately.

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 2021-02-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I sent out letter to have the debit from XXXX XXXX removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with XXXX XXXX Experian XXXX  and Experian immediately.

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
For the past 4 years I been writing letters to all three credit Bureau regarding updating incorrect information my name addresses work place all and they just keep stating its been update this information should be deleted and 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
Consumer complaint received 2021-02-28 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: EQUIFAX, INC.
State: CT

Complaint narrative:
For the past 4 years I been writing letters to all three credit Bureau regarding updating incorrect information my name addresses work place all and they just keep stating its been update this information should be deleted and corrected

Company response to consumer: Closed with explanation