vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.

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 2018-08-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.

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 2018-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX THIS BANK CONSTANT CALL REPEATEDLY FROM DIFFRENT PHONE NUMBERS ALL DURING THE DAY XXXX XXXX ( XXXX XXXX ) XXXX-2018 XXXX ( XXXX XXXX ) XXXX-XXXX-18 XXXX ( XXXX XXXX ) XXXX-2018 XXXX ( XXXX XXXX ) XXXX-XXXX-2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a court citation and I have no idea why, my name is wrong on the letter and I have to appear tomorrow

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 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
An auto accident occurred in XX/XX/XXXX due to negligence from another driver. The driver was insured by XXXX XXXX XXXX who agreed to pay all medical bills. The billing party ( medical company ) did not submit an invoice for payment until XX/XX/XXXX, over 2 years from the date of service. In speaking with the medical company, it was reiterated that all medical bills were to be paid by XXXX XXXX XXXX, who at that point had settled the claim. This medical company submitted all other invoices correctly to the insurance company for reimbursement except this one particular invoice. This bill does not to belong to me and is the responsibility of XXXX XXXX XXXX ; the medical company is to blame for the lack of submitting invoices in a timely manner.

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 2018-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On Friday XX/XX/2018 I wrote to Equifax requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, Equifax has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with XXXX a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has not provided requested info which includes their PHYSICAL mailing address for notice of small claim suit as well as name and number of their legal council. I've requested this information numerous times via complaints to CFPB, a XXXX XXXX replies with a web site address, does not provide PHYSICAL address or name and number of their legal council. The small claim suit is regarding a stop payment on a close out check in error on end of Capital One, reissued and intercepted by a third party, cashed fraudulently in my name. Capital One has my signature on file and is well aware the signature on check is not mine, insists the person whom cashed check lives at my address and is related, does not have proof funds were received by myself, which they were not. The total amount involved is XXXX, XXXX XXXX refuses to do anything further, thus need for small claim suit. In her last reply to CFPB, she stated she will not keep replying but refuses to provide a physical mailing address ... She provides her number in correspondences but does not return calls, a total of seven ( 7 )  messages left, none returned..The CFPB might be able to step in this matter to assist in resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis and Associates is trying to collect a debt that has passed the Statute of Limitations in California. This was a charged off account by the original medical facility.

The FDCPA, or fair debt collection protection act, says this has to stop being reported to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: LEXISNEXIS
State: IL

Complaint narrative:
On Friday XX/XX/2018 I wrote to XXXX  requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, XXXX  has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with LexisNexis a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and Transunion. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with XXXX XXXX. I tried disputing this with TransUnion again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. XXXX XXXX is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. TransUnion refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.

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 2018-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to Equifax explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, Equifax responded that the information was verified as accurate through XXXX XXXX. I have had my information suppressed with XXXX however, Equifax refuses to remove this fraudulent account from my credit file in accordance with Section 605 B of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
This company no stop calls me almost daily! I and my wife have both asked them repeatedly not to contact us by phone only to contact us in writing. We both receive calls almost daily! If the cant get me they try my wife then call Me back! It is out right harassment! They keep threatening to place the item on credit report! I and my wife had told them go ahead! They keep calling non stop! We have told them several times no contact butnin writting. They keep calling

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 2018-08-16 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: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to XXXX  explaining that I am a victim of identity theft and the bankruptcy reporting on my credit file is not mine ; supplying evidence and documentation. However, XXXX responded that the information was verified as accurate through Lexis Nexis. I have had my information suppressed with lexisnexis however, XXXX  refuses to remove this fraudulent account from my credit file in accordance with Section XXXX B of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX  ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: UT

Complaint narrative:
This company pulled my credit report causing a hard inquiry which negatively impacted my credit 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 2018-08-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
In late XX/XX/XXXX/Early XX/XX/2018, I requested a debt validation from a collection company and they sent me information from the original creditor. I also submitted a dispute online with all 3 credit reporting agencies, XXXX, XXXX and XXXX. I received a status report that Account information disputed by consumer, meets FCRA requirements. The collection agency then reported on my credit report as an open installment account currently past due 120 and 180 days late. This is not the original creditor and I have never entered a contract with DYCK O'Neal. I tried disputing this with XXXX   again on XX/XX/2018 around XXXX central standard time. They replied that no such dispute ever took place despite me providing the email file number for the dispute. I asked them to send me the information the collection company sent them to verify the account information was accurate. They replied that the company sent no such information to which I replied, then how did you guys agree it was accurate without any information or validation? The supervisor, XXXX XXXX, then stated it was NOT a collection account but the original creditor, which is FALSE. Dyck O'Neal is a collection company and should not be able to report monthly current past due late payments nor represent themselves to the credit reporting agency as the original creditor. XXXX  refused to do anything but dispute it again. They stated it was not their job to investigate disputes and whatever the creditor told them, they simply report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an open XXXX XXXX credit card. I got it back in XX/XX/XXXX. It was my first credit card and I was unsure about paying by a certain date and not just any time that month and ended up paying late on XX/XX/XXXX and then I was severely affected by hurricane Harvey and was unable to pay on time in XX/XX/XXXX however I did pay on XX/XX/XXXX and more than the minimum payment was. I called XXXX XXXX XXXX   and asked them if they could remove the late payments after I explained my situation and also since it was severely affecting my credit score. The agent agreed. My credit report still reflects late payment however when I call XXXX XXXX they report no late payments in their system anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: On-Site Manager, Inc.
State: UT

Complaint narrative:
I have no idea who this company is or why they pulled my credit. No way to contact them. This hard inquiry negatively affected my credit report and credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: UT

Complaint narrative:
I have no idea who this company or why they pulled my credit. This hard inquiry has negatively affected my credit and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently opened an account with Citibank in XX/XX/2018 and decided to transfer my funds via XXXX. I was trying to buy lunch and noticed my debit card that I activated with them is not working. I called customer service and they transferred me to a supervisor named XXXX that said he can't help me for security reasons. He said a letter was sent out stating that I need to provide documents proving my identity. 
I told him that all I need to do is transfer my money out of my citi account back to my old XXXX  XXXX XXXX account and he won't let me. 
This was also over {$1000.00} worth of money and I do not get paid for a while. I have no money for food or to pay a tuition bill that is due on Friday. There are no warnings on my log in on citibank 's website or the app about a block nor was it included with my debit card and welcome letter so this is XXXX. I brought my issues up to the XXXX  account customer helpline and they told me that XXXX closed my account and I will get a check in the mail. I was desperate to get access to my money and was willing to fax documents as they suggested and they backtracked and said there was nothing they can do except drive 2 hrs to a branch, but I can't because I don't have money for gas because they're holding my money hostage. I have all of this money sitting in my account and I can't wire it, I can't use XXXX nor can I use my debit card. This is criminal, unethical and pathetic and I want my money back 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 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I went to this car dealership with thought of purchasing a vehicle. When they asked to pull my credit- they told me they were going to shop the loan. I told them I didnt want my credit repeatedly pulled. They told me it was a soft pull and all reports pulled same day would only hit my credit report once. XXXX XXXX XXXX dealership pulled hard inquiry- then they had XXXX XXXX Credit pull hard inquiry and then XXXX XXXX XXXX XXXX XXXX pulled hard inquiry. These hard inquiries negatively affected my credit and credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I went to the bank today to withdrawal exact cash and it took 25 minutes because the bank had only 1 teller. The bank is making billions  and charging me maintenance fees and they can't even bother to have more than 1 teller.

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NM

Complaint narrative:
A cable bill was opened in my name 5 years ago that I was unaware of. It was resolved and it was removed from my credit report 5 years ago. Got a notification last week on XX/XX/18 via email showing what resolved 5 years ago and removed from credit report is now again on my credit report I nevered opened an account under XXXX XXXX  internet company I have never had a contract with them. The payment amount of {$390.00} phone number XXXX company name EOS CCA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I sent a letter to IQ Data in XX/XX/2016 requesting a verification of debt, what I received on XX/XX/2016 was an itemized bill which is not a proper verification of a debt and they are not the original owners of the debt per the information received from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation