vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
Vance and Huffman LLC This Account was opened fraudulently. 
I'm a Victim of the XXXX  Security Breach. I have never opened any account with the company ; " Vance and Huffman LLC '' I Did Not Open or Authorized this Account or Request Any Amount of Credit. This Account Is Fraud. 

I Did Not Authorize The Company Vance and Huffman LLC To Open This Account ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 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:
I have attempted to fix this inaccurate Public Record on several occasions with the bureuas. They claim to have verified it through XXXX XXXX, this can not be true because XXXX XXXX has removed this inaccurate data. The Bureaus have not conducted a real investigation, I have proof of attached of what XXXX XXXX is removing this the bureaus need to follow suite and Stop falsely validating,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXXXXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX until recently use to be a Buy Here Pay Here Lot so they still have that Lets Rip Them Off Mentality. This is the most unethical and dishonest dealership you can go to. I signed the Buyers Order that showed there was XXXX down. Then they produced one that says {$500.00} down and they have no explanation why it was changed and wanted me to pay them. I refused so they added it on to my loan plus another {$400.00} that they had no explanation for. I never got to see the Contract because I was told that they could not print it and they would email it to me. When they did, those signatures were not mine accept for the last 3 which they transposed over from my Drivers License. I told them at the time of purchase that I will not pay them {$1100.00} to wash my car. I was told that I would not be charged that Fee. The fee showed up on the Contract that I did not Sign therefor I was Charged. In addition they committed Bank Fraud by financing the car with 2 different Lenders and I verified that they collected the money from both Lenders. That caused me to owe a double car payment. Thanks to the FL XXXX XXXX XXXX XXXX one of the loans were finally cancelled. I called TD Auto Finance and told them that the Contract was a fraud referring to the Amount of Sale and Signatures. The first agent told me that he didn't care if it was my signature as long as he has a Signed Contract. The second Agent gave me the number to there Fraud Department and after several attempts i never was able to connect someone. The 3rd Agent called me and told me in a very rude demeanor that they asked the Dealership if the Contract was Fraudulent and they said no so they are fine with that answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
Hi, My name is XXXX XXXX XXXX. I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX2020 XXXXXXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Capital Accounts, LLC
State: TX

Complaint narrative:
Hi, My name is XXXX XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I have tried to fix this with Wakefield several times. I need to take them to court, because Section 808 ( 1 ) of the FDCPA says they can not collect interest on a debt that never had interest in it. They can only attempt it to collect interest fees on credit card debt/loans/ect because those have interest fees in the contract. They claim to have 3 medical bills in my name and they have been adding interest fees to each of them ILLEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: FL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: FL

Complaint narrative:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NY

Complaint narrative:
This was a sprint phone bill it keeps on going from one Collection agency to another this bill is over 7 years old and and just hit my credit report as being 30 days late and they never sent me any notice at all its just unfair to hit my credit score and lower it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I have received two phone calls from Calvary Portfolio Services, on on XX/XX/2020 and the second on XX/XX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for Calvary and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to XXXX and specified amount. I have no mailed notification from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
WELLS FARGO DEALER SVC - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed Wells fargo is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CBC Companies, Inc.
State: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed XXXX XXXX is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

CC : Consumer Financial Protection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
I have been disputing 2 derogatory accounts on my credit report for some years now and the credit bureaus kept sending me back a letter saying verified. Although I kept on asking the question, verify by whom and how, the credit bureaus never answered me. I have written a letter to the creditors, ( XXXX and XXXX  ) via certified mail and they have failed to provide the requested documents to justified their position to keep these negative accounts on my credit report. I have send copies of their response to the credit bureaus to prove my point, via certified letter, showing them that the creditors ( XXXX  and XXXX  ) was not able to Verify anything. I am asking the Credit Bureaus to please delete these derogatory items from my credit report and get me out of this financial nightmare that Ive had to live with over the years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

CC : Consumer Financial Protection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

CC : Consumer Financial Protection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I have already paid the debt for Onemain although they will not update balance on my credit. Paid in full on XX/XX/2020. 

XXXX will not update credit with Onemain and XXXX XXXX XXXX with correct balance. 

XXXX removed old pay off debt and reduced my credit score instead of raising the score up.

Company response to consumer: Closed with explanation