vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-20 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: IL

Complaint narrative:
Inquiries Unauthorized Transunion Report XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX For XXXX XXXX {$1800.00} XX/XX/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 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
The company is saying they are collecting for XXXX XXXX but my XXXX XXXX bill is paid in full. I do not owe any debt. This company that is reporting to the collection agency, I have no contract or agreement and I have no debt with them. They also did not provide any information that shows I owe any debt with them. I contacted XXXX and they confirmed my balance was paid in full. Now aware of this agency and again do not owe any debt with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: LA

Complaint narrative:
Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the transunion inquiry error/glitch that happened but they want remove the inquires on my 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 non-monetary relief
Consumer complaint received 2018-05-20 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: LA

Complaint narrative:
Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: LA

Complaint narrative:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. I have 3 inquires from this company. One from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are from walmart and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Ive been getting 3-5 calls everyday, and I was kinda cautious about it cause they kept saying wrong names and the amount kept changing, Ive asked for a letter in the mail many times and never received it and now its in collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20 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: FC HoldCo LLC
State: LA

Complaint narrative:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

The inquiry was placed XX/XX/2017 2017

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 2018-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened! 
I disputed on all my credit reports ... to no avail. 
I asked XXXX to provide me with statements or some type of evidence and they could not. 
Nor could ERC collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 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: LA

Complaint narrative:
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution. 
Inquiry is from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In my opinion, Citi/AAdvantage erroneously charged me interest and late fees when they did not provide a bill for a number of months. They converted me to paperless statements, then did not provide the paperless statements for 5 months, while interest and fees accummulated. Because I used this card exclusively for buisness travel, and because I pay my credit card bills in full, it was not unusual for there not to be a bill for a few months. 

I did not discover an issue until I tried to use the card on a business trip in late XXXX. I called the company immediately, asked them to remove all fees and interest, and paid the resulting amount in full. They continued to charge late fees and interest,. 

After numbeous contact via phone, chat, and snail mail, I finally paid the {$120.00} balance, under duress, only to avoid any dings to my 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 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Total Card, Inc.
State: HI

Complaint narrative:
This debt was owed in the year XX/XX/2004, a date 14 years previous to this year. I did not begin receiving notices of the amount owed until 7 years ago. It has been another 7 years since then. My understanding of the bankruptcy laws is that the working poor have the debt discharged after 7 years. After another 7 years, there should no longer remain any record of such debt. I have neither the time nor the resources to take this matter to small claims court, to bankruptcy court, or to any other court. When I do not work, I am not paid. I do not work every month of the year. When I work, I do not work every day of the week. When I work I get paid, but only when I work. I need a break from the onerous burden of having to go to court for every little matter than time, given time, has the time to heal. May this debt collection agency be ordered to cease and desist harrassing me for a debt that long ago ceased to be held against me? It is not the original credit card company or bank servicer anyway ; it is some johnny-come-lately predator seeking to frighten me into paying it off. I owe them nothing for the fact of their having discovered this older-than-a-decade debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.

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 2018-05-21 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: CA

Complaint narrative:
XXXX XXXX has been paid. Still showing with a balance.

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 2018-05-21 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: DISCOVER BANK
State: LA

Complaint narrative:
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: LA

Complaint narrative:
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX is trying to collect and report on an account that was already removed due to fraud. The original account which was removed was XXXX XXXX which was opened prior to me turning XXXX which was clearly fraud. That has already been determined. This account and nothing associated with it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX has been paid. Still showing with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: ERC
State: GA

Complaint narrative:
Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX   advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought concert tickets on XXXX on XX/XX/18 for {$150.00}. The seller 's name was XXXX or XXXX XXXX, XXXX, number ( XXXX ) XXXX. He sent me a picture of himself with a drivers license and screen shots of the tickets. I sent the money through XXXX on my Wells Fargo account, only to realize it was a scam. His XXXX ad was already taken down by this time. I contacted Wells Fargo, who told me that that the money had already been transferred but that they would look into it.

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 2018-05-21 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I got a new XXXX  XXXX  Card through American Express. When I signed up for the card I did so through a click-through offer from " XXXX XXXX XXXX '' website that was for XXXX XXXX  XXXX points for the first $ XXXX spend and then an additional XXXX points on the next {$1000.00} over the next six months. 

I was given a XXXX points bonus as opposed to what I should have received. 

I have since called in three times to have this investigated and resolved, but they have not come to any conclusions over the last 5 months! They keep telling me to just call back in every two weeks - which I find to be ridiculous. 

I have a print out click-through terms that were in place when I signed up, and apparently, are in place again today. Amex is claiming that I signed up during some small inferior window of time and will not investigate further or get back to me on their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Credit card opened XX/XX/2015 which is now closed. I was only an authorized user on this account and I am not financially responsible.

Company response to consumer: Closed with non-monetary relief