vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
In XXXX of 2020, a collection account of {$2600.00} from XXXX XXXX  XXXX being collected by NCB Management services showed up on my credit report. I have never Never used XXXX XXXX XXXX and before this collection account appeared, I had never even heard of them. I've tried disputing the collection account via XXXX  twice with no success and I've tried reaching out to both companies with no response. At this point, I have no idea how to remove this debt that does not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: OK

Complaint narrative:
I had an issue with Current bank promising perks with their Premium account. They charge {$4.00} for the account, and swear you'll get fee free ATM 's and the ability to load your card at XXXX locations. The ATM 's they mark in their ATM locator are not fee free. You can not load money, only withdrawal. I requested to have my account closed on XX/XX/2021. I was told on XX/XX/2021 that the process to close my account was underway. XX/XX/2021 and I am receiving correspondence about transactions on my very active and not closed account, an account I took all of my money out of so I could close it. Any transactions made on it now are sending me into negative, affecting my already low credit score. I was lied to by Current, and am now locked into this paid Premium account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AL

Complaint narrative:
Yes my name is XXXX XXXX and I am a victim of identity theft I sent in a dispute letter asking for proof of the account showing under my credit report thats not mines and never heard anything from them I also spoke with somebody XX/XX/XXXX asking for disclosure they have record of to prove those accounts are mines a guy told me they dont have anything to prove those accounts mines so thats a violation there Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand lthat you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. they told me they dont have proof they just go by what the creditors say but Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. They choose to remove the fraudulent accounts they dont have any documentation to show me that those accounts are mines and I have proof of that I also sent in a ftc report they told me it was fraudulent got a XXXX email saying they want remove the account they never told me why and want tell me why something need to be done about experian

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 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
I was contacted by XXXX about an unpaid bill. The total amount due was {$220.00}. XXXX offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from XXXX stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, XXXX XXXX did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX  is reporting it now, and another named EOS CCA also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Everything that's on my credit b is false I have no credit the only thing wrong with my credit is is hospital fees and Some school debts and 2 bank accounts that I overdrafted.i have had 1 car rental repossession and that's it If needed I can produce evidence that I had no knowledge of any of the things I'm seeing on my credit report these are my ex girlfriends who used me and abused my kindness and have to stolen me. from me and have lied on me and drug my name thru the mud.they have had all these cars, clothes, houses and

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I have a credit card through Citizens Bank NA. I have made all payment on time since the inception of the card. I enrolled through the Alert system for the credit card at the time of setting up my online account. 

When logging on to make my XX/XX/XXXX Payment online on XX/XX/XXXX, I had rewards in the amount of {$25.00}. I used the rewards to credit the account balance. The bill pay feature then showed my new payment due XX/XX/XXXX with a new minimum payment. 

I logged back into my account on XX/XX/XXXX to check my transactions and I was notified that the XXXX payment had not been made, even though the credit is reflected in my transactions. I immediately made the payment in full. 

On XX/XX/XXXX through my credit monitoring software I was notified that my credit had decreased over 35 points due to a balance decrease from the Citizens Bank credit card for over XXXX of the previous balance ( from {$3800.00} to {$900.00} XXXX. 

When I called the credit card services department on XX/XX/XXXX, the late fee was waived due to the circumstances surrounding the late payment. I was transferred to a supervisor XXXX who spoke down to me like I was a child and recommended credit repair companies for one late payment and a credit limit decrease. When I explained the situation he told me that even though the fee was waived as a courtesy, and even though I have the alerts system set up and was not notified, that a letter was sent to me after I made the payment and the account was up to date in regards to the late payment. 

I was told that the company is not in any way obligated to notify the customer ( other than in the letter ) that the payment is late and that I would not receive any communication in regards to the credit line decrease and that my only option was to have a manual balance increase request done which would add another negative impact to my credit. When asking to speak with another supervisor I was notified that I could but I wouldn't get anyone on the phone as they are busy. 

A letter was sent out in regards to the late payment after the payment was rectified. The letter has not yet been received by me and it is now 4 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CA

Complaint narrative:
I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED ZERO RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I recently reviewed my XXXX  and XXXX  credit reports and noticed collections on my credit report. The following are the collections : Transworld System Inc -- Original Creditor, XXXX XXXX XXXX in the amount of {$660.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX XXXX - for {$660.00} and {$170.00}. On XX/XX/2021 I sent them a certified letter requesting removal of this account because they violated the Fair Debt Collection Practices Act. This account has not been removed and I haven't received any response from them. 

XXXX XXXX for {$89.00}. I have disputed this account with the credit bureaus on several occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to XXXX  and Experian continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!!

The following fraudulent accounts are 1.XXXX XXXX XXXX XXXXXXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC 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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies XXXX, XXXX, and TransUnion in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ). 

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX XXXX XXXX before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX  in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ).

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX Risk Solutions before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
Ive disputed several times to TransUnion, XXXX, and XXXX about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and TransUnion is nothing reported, XXXX shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.

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 2021-06-25 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: TX

Complaint narrative:
Ive disputed several times to XXXX XXXX, and Experian about XXXX XXXX sent the errors reporting across all three.Payment history on XXXX section is reporting 120 days late and XXXX  is nothing reported, Experian shows co.XXXX is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.

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 2021-06-25 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:
I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!

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 2021-06-25 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: CA

Complaint narrative:
I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!

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 2021-06-25 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: CA

Complaint narrative:
I wrote to Experian, XXXX XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.

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 2021-06-25 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:
I wrote to XXXX XXXX, TransUnion regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.

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 2021-06-25 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: CA

Complaint narrative:
I wrote to XXXX, Equifax, XXXX regarding a fraudulent account on my credit report and an account with late payments that are false. All 3 bureaus denied me and ignored me. These accounts are still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021. I sent a notarized letter and affidavit of truth, certified all documents. THD/CBNA failed to reply and validate the debt of the account on my credit report. As a consumer my rights have been violated. My social security number and personal information has been shared with this company. I did not give THD/CBNA any consent or authorize any accounts with them. According to 15 USC USC 1692 the debt must be validated. Without any validation with the 30 days, the debt must be removed immediately.

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 2021-06-25 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: IL

Complaint narrative:
Sent request regarding bankruptcy on my file with transunion XX/XX/21 and responded on XX/XX/21 with file # XXXX that the bankruptcy was accurate. On XX/XX/21 sent letter to reinvestigate and TU received on XX/XX/21 and responded XXXX & XX/XX/21 data furnisher XXXX verified information as accurate. Appalled, I went to XXXX to verify the information and during their investigation, could not verify the information as accurate themselves so in turn has deleted and removed the inaccurate bankruptcy information from there file as of XX/XX/21. On my behalf XXXX initiated a dispute with TRANSUNION on XX/XX/21 stating the results of the investigation which couldn't be verified and the bankruptcy was removed from there file, letter enclosed. So I also contacted TU with letter dated XX/XX/21 and received by TU on XX/XX/21 which included the letter from XXXX to prove bankruptcy was removed from there file and TRANSUNION responded on XX/XX/21 that the bankruptcy was verifed by data furnisher XXXX as accurate. Looks like to me TRANSUNION has ignored the dispute sent on my behalf by XXXX and my follow up to show the information should be deleted from my file also. Any investigation done after XX/XX/21 on this information would have shown the information couldn't be verified and should be deleted immediately. Either TU ignored XXXX dispute or never reinvestigated my information and just did a computer generated response.

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