vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXX Acct # XXXX Reporting to XXXX   {$960.00} This Debt is not mine. Attached is Certified Mail Receipt of yet another letter asking for a contract with my signature from their firm.. Not some made up bill, not another just pay this letter ... ..If they can not show us a contract between me and XXXX XXXX  with my signature, then this must by law come off my credit. Ive written over 15 letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CA

Complaint narrative:
I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

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 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX Comenity Capital Bank XXXX. XXXX XXXX XXXX Ohio XXXX Acct # XXXX {$1100.00} This Debt is not mine. I have written to this company and XXXX and I am only asking for a contract between me and them with my signature on it, thats it. Ive recieved nothing from them or from any of the 3 credit agencies. Attached is my all 3 credit report and Certified Mail Receipt from XX/XX/2020 asking for this. This is the 15th letter to them. Either give me the contract or remove this from my credit report immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-06 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: CA

Complaint narrative:
I have made multiple attempts to contact the bureau in order to correct the eroneous items on my credit report. I have either not received a response within 30 days and most recently it has been over 60 days without a response or the items have not been investigated due to the fact the dates did not update. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have not been filed and the bureau refuses to correct or send proof of these accounts belonging on my report. It is not fair that I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.

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 2020-10-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Suntrust Bank received XXXX from my insurance company in XXXX. They chose to report to my credit agencies that my car was charged off and even went from reporting XXXX to uping it to XXXX as if I had never paid a dime on the car. They just updated my credit and released my debt in XXXX which caused me extreme hardships and interest rates. now it shows a XXXX balance on the car but they still are reporting charge offs on the payment history when they had been paid years in advance.

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: OR

Complaint narrative:
This letter is to dispute a debt by Phoenix Financial Services.

The company Phoenix Financial Services list a debt dated from XX/XX/XXXX by Original Creditor : XXXX  XXXX XXXX XXXX. 
Acct # XXXX Creditor Account # XXXX Amount owed : {$790.00}. 

On XX/XX/XXXX I arrived in the State of XXXX  with my child whose medical was with the State of XXXX  called the XXXX  XXXX XXXX. I took my child to an emergency doctor since he needed a follow up appointment for XXXX he had back in XXXX. Also, he was not a local resident in the XXXX of XXXX. Being in the XXXX of XXXX  for only a week I had to make sure I could obtain medical service for my child. This included for all appointments and refills of any medication which is covered by his XXXX  XXXX XXXX XXXX XXXX since that was all I had. Once I provided the Medical Insurance from the State of XXXX each hospital took the card and additional forms from the medical center in the State of XXXX  regarding his XXXX and made copies. 

In early XXXX of XXXX and immediately reached out to my lawyers office XXXX XXXX XXXX XXXX regarding this collection letter from XXXX. The current creditor listed is XXXX XXXX XXXX, XXXX. 

By XX/XX/XXXX a dispute letter on my behalf was mail to XXXXhoenix Financial Services from my lawyers XXXX XXXX XXXX XXXX. ( See Attached Document ). In two months there was no response. On XX/XX/XXXX, a certified letter was mailed by my lawyer XXXX XXXX XXXX XXXX to Phoenix Financial Services to dispute the debt. 

A response was received on XX/XX/XXXX from Phoenix Financial Services, LLC ( See Attached Document ) with their response that the creditor had already disputed the information with me. Also on the letter you can show it is not with a new current creditor listed is XXXX XXXX XXXX XXXX. Nowhere in the letter did the agency acknowledge the request to provide full details of medical charges made on XX/XX/XXXX. Second, there was no mention of insurance provided with this debt when at the time the billing was made by XXXX  XXXX XXXX, XXXX. 

I do not recall receiving mail from XXXX  XXXX XXXX, XXXX for a medical bill while I was in the State of XXXX. I was only in the XXXX of XXXX   for 5 months. I left the XXXX Of XXXX  in XXXX of XXXX. This is the first letter I have ever received from Phoenix Financial Services dated XX/XX/XXXX ( See  Attached Document ) regarding this debt from XX/XX/XXXX. 

I only received the confirmation of Certified mail that it was received by Phoenix Financial Services, LLC date XX/XX/XXXX ( See Attached Document ). In addition, my lawyer reached out to Phoenix Financial Services, LLC by email requesting again, to provide more detailed information to verify debt. My lawyer did not get any response. 

Today, I am filing with CFPB about this 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 2020-10-06 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: KY

Complaint narrative:
reporting inaccurate items that are harming me in getting home or car.

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX. I cant say this more emphatically, I have never had a XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX, I rented a vehicle from XXXX  XXXX  XXXX  in XXXX, CA. I PAID FOR THE rental in advance with my XXXX XXXX XXXX XXXX XXXX XXXX and was charged {$86.00} for the daily rental. when i arrived to pick up the vehicle they asked my for a credit card for the {$200.00} deposit at which i presented my capital one card for that. when i dropped the vehicle off i took pictured of how clean the vehicle was. XXXX has negligently been charging my credit card that only has a {$200.00} limit days and days after the rental, the first few time XXXX somehting in which capital one asked me about and I said i was not aware this. I eventually was charged XXXX i guess the vehicle i rented was out for repossession? anyways i disputed the charge and Capital one said they could nothing about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX/XXXX. I cant say this more emphatically, I have never had a XXXX/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

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 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from JPM/CHASE. I cant say this more emphatically, I have never had a JPM/CHASE account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX Acct # XXXX XXXX owed Another address they have is Capital one XXXX XXXX XXXX XXXX VA XXXX This debt is not mine. See attached certified return receipt asking for a signed contract with my signature on it. No one has sent me anything after 15letters. 
Remove my credit or provide the sign contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I received documentation back in XX/XX/2020 from Portfolio Recovery Associates stating that I have an account in collections with them. I responded to the letter asking for verification and they never sent me any verification of debt. I sent them a cease and desist and they continue to contact me by phone. They also continue to report this debt on my credit report saying XXXX days late when its a collection account. This illegal activity is hindering my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have XXXX  XXXX  XXXX credit card approved by Bank of America in XX/XX/2019. The welcome offer states that there will be XXXX AS point + {$100.00} if I make more than {$2000.00} expenditure within 3 months. 

My expenditure was XXXX, XXXX, XXXX within the first three months, respectively. 

I did so. However, I haven't received a welcome bonus until now. I called them but they always asked me to check later. So far, I haven't received the welcome bonus as they claimed.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I recieved bank of america payment card and my payment was never on the card sent then the card got rejected in which i beleive someone got my identity info and had a new card sent cause they knew when the money would arrive this process on fileing started bout 4. To 5 months ago dont know the right date cause it happen behind my back but i havnt got no pua payments that im entitled to so can u please help me 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 2020-10-06 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: CA

Complaint narrative:
I sent in a letter ( XXXX ) and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got iinto the hands of the wrong person.

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 2020-10-06 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: CA

Complaint narrative:
I sent in a letter and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got iinto the hands of the wrong person.

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