vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was going through my XXXX credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " CBNA '' as the name of the institution and " National Credit Card Cos. '' next to the description. After researching I found out that CBNA stands for CitiBank of North America. The credit reporting website said to contact the creditor ( CitiBank ) to dispute the inquiry. I contacted CitiBank and they said that they could not help, that I had to contact XXXX  directly for them to remove it from my account. I then contacted XXXX and told them what CitiBank told me and they said that they are only a reporting agency and that the process must be initiated by CitiBank. CitiBank still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to 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 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
Summer XX/XX/XXXX my then spouse-XXXX XXXX- & daughter XXXX , and I made plans to return move from XXXX XXXX-our home of 10 years-to XXXX XXXX . XX/XX/XXXX I had already made plans to move my inheritance from XXXX XXXX XXXX ( XXXX XXXX broker ) to same in XXXX. XXXX trust account numbers begin differently from those of XXXX & of course XXXX wouldnt be my broker any more. Please see first page where I mailed copy to XXXX asking why my Moms IRA from Compass had not been put into an account like other parts of the trust had been in XX/XX/XXXX.Mom- XXXX XXXX XXXX-had passed XX/XX/XXXX, in XXXX XXXX.My Dad had died XX/XX/XXXX, and the trusts had been from his retirement, passed to Mom. I came across these old Compass papers XX/XX/XXXX, and wondered 2 things:1. ) where did the remaining $ 4K + in assets go and 2. ) why didnt I get the $ 15K+ payable to XXXX that was mailed ( I guess? ) from XXXX Compass, to our XXXX address, XX/XX/XXXX. I called Compass Trust XX/XX/XXXX, asking about both monies but I was told that Compass closed the IRA account by that number on XX/XX/XXXX. And Compass was not going to perform further research to help me locate a LOT of missing funds.. I also- XX/XX/XXXX- called former broker XXXX XXXX in XXXX ( I didnt get reply from him to my top page question in XX/XX/XXXX, ) who now is a XXXX XXXX broker , but Mr XXXX  failed to call me back.I had a fiduciary trust in this money transfer, and I saw, at the time, no need to question the bank or brokerage actions. I didnt even know about the Compass trust, anyway.I want both the $ 15K+ payable to XXXXback and $ 4K+ remaining assets back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report I found two hard credit inquiries that I did not authorize. 
I reached out to both companies asking to have them removed immediately. i sent certified letters over sixty days ago but they have not been removed from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX a letter to dispute the legal name of the bankruptcy court was sent to equifax with additional reports listing the same inaccurate name in my credit file. Equifax replied with a letter listing my entire name ( first, middle, last ) stating they were unable to find my credit file in their database. Yet, my letter of dispute only lists my first and last name! Since they do not have me in their database, how do they know my middle name? 

I wanted them to delete the bankruptcy because they have never reported this item with the legal name. They reported the court 's name inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

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 2019-06-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A company did a hard inquiry that i did not authorize. The date listed is XX/XX/2018

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 2019-06-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have credit inquires listed on my credit report that I did not authorize. After seeing these I reached out to bot companies to have this resolved and removed. I sent both companies certified letters over sixty days ago, yet the inquires still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A company did a hard inquiry that i did not authorize. The date listed is XX/XX/2018

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 2019-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.

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 2019-06-16 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corp. has reported to the 3 credit bureaus -XXXX XXXX XXXX and XXXX  that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.

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 2019-06-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Upon reviewing my credit profile I found several un authorized inquiries. This one was done on XX/XX/2018. i have no recollection of this inquiry, and sent certified letters to both companies to have them removed over sixty days ago, bot it still remains.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a Bankruptcy Chapter XXXX listed on my XXXX, Trans Union and XXXX reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

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 2019-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a Bankruptcy Chapter XXXX listed on my XXXX, XXXX XXXX and Equifax reports. I have not filed a Bankruptcy within the last 15 years. I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 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: FL

Complaint narrative:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Equifax They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Equifax report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items previously disputed ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ). Dispute reason : remove this account because the Status updated date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation However, in the CRA dispute results report they claim the items was verified as accurate and updated but how could this be? when the date of status date didn't change/update after the investigation was done, this proves that no investigation was ever done. Status updated date didn't change/updated even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Status updated date didn't change/updated to be a current updated date as per FCRA. 
It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ),  XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX status updated date was ( XX/XX/XXXX ), XXXX status updated date was ( XX/XX/XXXX ), XXXX XXXX XXXX these late payments are completely wrong. I need for you to remove this account because theres no way for you to legally verify XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation XXXX This account can not be legally verified because failure to display and properly identify creditor name, address or phone number as per FCRA- remove violation After what is known as an investigation that was conducted and completed by the CRA, Equifax report still shows the Status updated date didn't change/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX has reported to the XXXX credit bureaus -XXXX , XXXX and transunion that i owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all XXXX credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.

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 2019-06-16 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:
XXXX XXXX  XXXX. has reported to the 3 credit bureaus -experian , XXXX and XXXX that i  owe a balance of {$1900.00} for a auto loan. This auto loan was paid in full on XX/XX/15. i've tried many times to talk to this company but they fuse to accept that i paid this loan. I disputed this account with all 3 credit bureaus multiple times only to have this account verified. Even though i provided them with a copy of the contract payoff. This account is hurting my credit to get a mortgage.

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 2019-06-16 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:
Equifax has refuse to remove an account listed by XXXX XXXX XXXX. i have provided a copy of the auto loan payoff to equifax as proof that this contract was paid in full on XX/XX/15. Equifax haven't provided me with any proof that this account is verified. I have disputed this account account 3. only to keep dropping my credit score with each dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RentDebt Automated Collections , LLC This company has sent me a debt collection letter in which I paid and illegally continues to request another amount even though I have already paid the debt in full in which I requested them to show me evidence in which I even owe them and where they got their information from and they continue to send me letters and are still trying to collect. They sent me the receipt in which I have posted here so you can see that the debt says I owe 0.00. I will be filing a civil lawsuit in my local court house due to the fact that they continue to illegally mis represent the debt on my report in which is causing me mental anguish and harm to my life. I can not move forward or even rent a place because of this misguiding debt they are reporting on my social. Amount of {$810.00} was reported in which I paid for. If the debt is not removed within the next 5 Days I will file suit in the XXXX County Courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
Nationwide Recovery System XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} Debt Date : XX/XX/XXXX Hipaa regulations in the united states prevent my medical documentations from being reviewed or viewed by unwanted agencies or people. 

On XX/XX/XXXX I obtained my credit report and notice Nationwide Recovery System has reported or filed a debt on my credit file. 

Their is no valid information given only dollar amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
On XX/XX/2019 I attempted to receive a money transfer from another Walmart. My Mom was sending me {$50.00}. The cashier was very disrespectful and unprofessional in assisting me. She yelled at me, for no reason. She refused to provide documentation in writing, as I requested, of the reason for her refusal to process my transaction. I provided three valid forms of government identification. Im in the process of a name change, and I even provided in addition, court documents pertaining to the name change. The cashier was rude and offered no recourse for the money transfer services she was conducting. One Manager, XXXX was worse in attempting to assist with a second transaction. She expressed that Walmart should have never assisted me with the first transaction. In hindsight, thats not a comment that benefits customers. Instead, offered confusion and further frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened my Capital One 360 Money Market account through a promotion code ( " XXXX '' ) that promised a {$500.00} incentive for depositing {$50000.00} before XX/XX/2018. I completed such deposits on XX/XX/2018, but did not receive the bonus as Capital One has responded that the deposit must be a single deposit even though the terms sheet for the promotion did not specify this. In fact, the terms state that " Deposits [ plural ] must be from another bank '' and there was nothing in there about the account having to reach a {$50000.00} balance. My account reached a maximum balance of {$26000.00} during the promotion period but it **did** have more than {$50000.00} in deposits from outside banks as required by the promotion. However, Capital One has failed to make good on the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I filed a dispute with XXXX about National credit systems a 3rd party collection agency for landlords and it has turned into months and they still have not resolved the issue. I believe this is because it is a conflict of interest because XXXX connect does background checks for landlords. On the other hand I gave the same information to XXXX  and they were right on it and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16 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 — Problem with personal statement of dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Reporting agency : XXXX XXXX Address : XXXX XXXX XXXX XXXX : XXXX XXXX, TX XXXX I obtained a copy of my credit report and notice XXXX XXXX are reporting two Medical debt on my credit file. 

In the amount of {$210.00} and {$230.00} for a debt I don't believe is my debt. I am requesting validations on these two debts placed on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
After obtaining a credit report, I notice Medicredit Inc added a debt to my credit file with no account number only the amount of XXXX was reported. 

Due to being in the state of Florida. I signed medical papers to protect my information from being reviewed by unwanted agencies.

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 2019-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.

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