vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, To whom it may concern someone fraudulently applied for a credit card in my name. They never were able to verify my identity so there was no account open. However I had an unknown hard inquiry on my XXXX report from Citi Bank NA Best Buy on XX/XX/XXXX which brought my credit score down through no fault of mine, which was flawless prior to this. I tried to dispute it online the next day but wasn't successful. Next I called XXXX and explained the whole situation to the representative. He informed me that I would only be able to get it removed with a hand written cover letter explaining the situation and some documents ( social security card, two forms of personal ID, bank statement, Federal Trade Commisioner report ). As requested I mailed them right away and called them to find out, was informed this can take up to 2 weeks for them to recieve. I checked again in 2 and even 3 weeks but they still claimed that they never received it. They asked me to resend it or fax it so I went to my local bank and asked them to fax it for me as I do not own a fax machine. Then they said they received it but are still unable to remove the inquiry due to some issue which they didn't explain very clearly why. I have then tried to call Best Buy credit services and spoke to the representative, he claimed that he understood the situation but then after putting me on hold for 40 minutes I had another credit inquiry from the same company on XX/XX/XXXX. When I asked him why that is he said not to worry and that both inquiries will be removed however they are both still there to this day and my score is down even more. I went to my local Citi Bank and explained the situation to the banker on premises. He sat with me for 4 hours trying to call every department and also had no luck achieving anything despite this being his profession. I think this situation is absolutely crazy and extremely unfair to me that I spent the last 4 months calling countless amounts of times, being on hold, repeatedly mailing papers that they claim they don't recieve on the other end and explaining the same situation over and over to people who don't even seem to try to understand what I'm saying and as a result just want to either transfer me to someone else or hang up faster. I really hope Consumer Financial Protection Bureau can step in and help me with what seems to be an endless problem for no wrongdoing on my end. I even received a letter from Best Buy credit services saying that I am a victim of fraud which I mailed to XXXX but they also seemed to ignore it. I will attach it here 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 non-monetary relief
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Unknown credit inquiry from Bank of America

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 2021-11-06 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: FL

Complaint narrative:
On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and Transunion and XXXX is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit 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 2021-11-07 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the Nelnet Loan Services, Incorporated account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-06 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: PA

Complaint narrative:
INQUIRIES ON MY CREDIT PROFILE THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX  RESIDENT VERIFY I DO NOT RECOGNIZE THESE INQUIRIES- I DID NOT APPLY FOR CREDIT HERE I AM NOT A CREDIT REPAIR COMPANY

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 2021-11-07 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:
EQUIFAX IS REPORTING PAYMENT HISTORY ON A CHARGED OFF XXXX  ACCOUNT. IF THE ACCOUNT IS CHARGED OFF WHY IS IT REPORTING POSITIVE PAYMENTS? I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE REMOVE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I recently received a copy of my XXXX credit report and noticed American express is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Amex and XXXX multiple times and XXXX tells me the information they are receiving is coming from American express and is 110 % accurate and American express tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and XXXX and Equifax is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: MA

Complaint narrative:
Galaxy International Purchasing continue to report inaccurate and illegal account on my credit report. In my last dispute with this inaccurate and illegal account a agency from Galaxy International Purchasing name XXXX XXXX responded with a letter stating that Galaxy International Purchasing dont and have not reported to any credit bureau XXXX I have attached supporting proof documentation from my credit report clearly showing that this inaccurate and illegal account is on my credit reporting. The statement by XXXX XXXX XXXX is subterfuge and not truthful as you can see by the supporting documentation I have attached. Galaxy International Purchasing is violating the FCRA requirements by continuing to report this inaccurate and illegal account after I have stated to them I am not the rightful owner of this inaccurate account. This is not right or fair to me and this inaccurate account being reported by Galaxy International Purchasing has caused serious injury and harm to me.

Please see attached copy of credit report showing this inaccurate and illegal account being reported after Galaxy International Purchasing stated that it wasnt being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: CA

Complaint narrative:
I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the XXXX XXXX XXXX, XXXX account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.

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 2021-11-07 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: TX

Complaint narrative:
Ive notice some unauthorized inquires on my consumer report. ive attached and FTC report with my current information and my identification so that you can verify that it is me submitting this claims. I didn't give anyone permission to furnish my consumer report. Pursuant to FCRA which was written by the congress to make sure all Credit Reporting Agencies abide by all consumer laws. I the consumer is the only one that has to consumer right to say what belongs on my consumer 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 2021-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
Grain Technology will not respond to several attempts made. I got one response on XX/XX/XXXX via email after trying to reach them since XXXX. My account can't even be accessed via the app. it's wanting me to set up an account again even though my information is present so i can't get to my screen even if payment was to be made. Stop payment was placed on my account to prevent grain from debiting my account at random moments causing me NSF fees with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP
State: CA

Complaint narrative:
I opened a Republic Finance account on XX/XX/XXXX. Unfortunately the account when to collections, and after saving money I paid it off in XXXX, and the reporting stopped. In XXXX, I noticed that a XXXX Republic Finance account appeared on my credit saying I owed money for a new location, and I tried to dispute it. I reached out to Republic finance to show that it was paid off and that it should be removed from my credit. After a while of trying to get it removed and correction with Republic Finance and the collections, they acknowledged the cleared debt with my bank statements, and I never heard from them again. However, the debt was never corrected on my credit. In XXXX, I started getting more random calls about the debt, so I showed them the exact same documents showing it was paid, then they stopped contacting me, but they never removed it from my credit. Every time I try to contact them about my credit I get no where, and they say they are correcting it, but they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place. When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. I have called the bank repeatedly. I filed a complaint with XXXX ( # XXXX ) BB & T answered on XXXX stating that they were investigating and I would not be responsible for accounts not opened by me. However, as you can see with the attached -- they are still trying to extort money from me and they claim they only recently closed an account that I declared fraudulent in XXXX. This matter has been going on for over two months. This is a fraudulent way of running a bank. Please, help me.

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 2021-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company finished garnishing my paycheck from my employer and I want them to remove it from my credit report because they got the money already

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: FL

Complaint narrative:
Credit card opened fraudulently in my spouse and is name, contacted discover to report the issue Discover continues to email me constantly telling me I owe them money or they will send it as a charge off My wife is an authorized user This account was not opened by either of us The accounts that are ours, is 2 checking account and 2 savings account. Wife has 1 credit card. I am not an authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07 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:
I am a federally protected consumer who is protected by the FCRA which was writtien by congress. I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable.I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ) .Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I don't know this company and they keep contacting I didn't know anything about it. They try to collect XXXX $ i dont remembered doing any business with this company the name of CAINE & WEINER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07 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: Kikoff Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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