vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I have a collection account on my credit file that is due to my identity theft case and it linked to my neighbors home not mine and the address needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX CA XXXX, this is not my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TN

Complaint narrative:
The late payments reflected on XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: NJ

Complaint narrative:
I have fraudulent account reported on my credit report from chase card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would just like my freeze removed from my Experian 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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a free subscription to XXXX XXXX as part of the XXXX   breach. I get the emails, so I know I have an account. However, when trying to login to view the account, it does not recognize any username/password. When checking " dont remember username/password '' it requires that I submit social security and name. I do this, and it returns back to the same screen. Each time. I have looked for any contact information on the site and there is none. Frankly, this makes me more nervous than the actual breach. This company knows everything about me, and I can't get in touch with them.

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 2019-08-22 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: TN

Complaint narrative:
The late payments reflected on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts 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 explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
student loan reporting incorrect and inaccurate with all 3 CRA same account information on credit file reporting 34x, agency re-payment program unreasonable monthly payment request are not within my budget and all accounts merge as 1 account not 34 accounts, remove data from file ... agency violated FCRA provisions 605,607, 611 and 623 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: NJ

Complaint narrative:
I have fraudulent account reported on my credit report from XXXX card services.

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 2019-08-22 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: TN

Complaint narrative:
Please note that the following companies ran unauthorized credit inquiry on me.. They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, TNXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
My Lease with XXXX XXXX  XXXX was up on XX/XX/XXXX. I was negotiating a new lease/purchase with the local XXXX dealer and told XXXX that. They said they noted it and then I began getting XXXX : XXXX calls from " XXXX '' which immediately asked for personal information i.e. DOB, Last four digits of SSN. Fearing a scam, I refused to give the info. Not being able to speak with me, they did not send me an invoice and instead reported me to the credit bureau as being delinquent, I have spent 2 and 1/2 hours on the phone today trying to resolve this ; I have paid the amounts that they said were due ( even though they did not send invoices ) and they refuse to correct the matter with the credit bureaus. 

By the way, I have never missed, or been late on any invoice I have received for 4 leased  cars : 2 from 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 2019-08-22 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: NJ

Complaint narrative:
Fraudulent account opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: NJ

Complaint narrative:
Fraudulent account opened in my name.

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 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is a retail store located at XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

On XX/XX/2019 a customer called our store to make a purchase and spoke to XXXX about buying 300 5/8 '' plywood. At that time XXXX sent the credit card authorization form to the email provided. Within one hour the completed authorization was emailed back and the credit card was processed without any problem. 

On XX/XX/2019 XXXX was suspicious about this transaction, therefore I, XXXX called our credit card processor XXXX XXXX XXXX and expressed our concerns. Immediately the representative advised me that everything looked fine. 

On XX/XX/2019 the merchandise was picked up by a delivery truck at our store. 

On XX/XX/2019 XXXX received a call from Mr. XXXX XXXX the owner of the credit card to let him know he was not the person who made the purchase. 
A police report was filed the same day. 

Our account was changed back the total of the sale {$6600.00}. 

I stared a dispute with XXXX and presented all the documents pertaining the case : Mr. XXXX 's authorization form, City MasterCard copy, Invoice and pictures of the pickup truck with the merchandise. 
XXXX finalized the dispute XX/XX/2019 and these are the comments : " Based on the rules and regulations governed by the Card Associations and the details of this case, we are not able to resolve the dispute with the cardholder 's issuing bank. Your account has been debited {$6600.00}. If you choose to pursue further attempts to resolve this dispute, you must proceed directly with the cardholder. ''

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 2019-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or misleading advertising or marketing — 
Company: U.S. Auto Sales Inc.
State: FL

Complaint narrative:
USA AUTO SALES HAVE A REFERRAL PROGRAM WHERE WHENEVER A CUSTOMER REFER ANOTHER CUSTOMER AND THEY PURCHASE A CAR THEY SEND A CHECK FOR {$200.00} TO THE PRIMARY CUSTOMER THAT REFERS THE NEW CUSTOMER. HOWEVER THIS IS THE SECOND TIME THAT IVE HAD AN ISSUE WITH THEM ABOUT THE SITUATION. I HAVE FOLLOWED ALL PROCEDURES OF GUIDELINES OF WHAT THEY ASKED BUT YET THEY ARE LYING AND KEEP GIVING ME THE RUN AROUNDS ABOUT THE SITUATION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please note that the following companies ran unauthorized credit inquiry on me..They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX , XXXX XXXX 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 explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
RE : Medi credit inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX , Mo XXXX Date of Service : XX/XX/XXXX to XX/XX/XXXX At XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX Co XXXX This account has been purchased by Medi Credit and they now are in 100 % control of the account. During the last 1 year since the date of service I have tried to resolve this through numerous sources. 
1-XXXX  XXXX XXXX XXXX XXXX  XXXX. Mr XXXX XXXX XXXX XXXX XXXX at hospital. 
2- XXXX ( Benefits Adviser for XXXX XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Ms. XXXX XXXX Patient Advisor 3- XXXX XXXX XXXX . of Human Services ( Medicaid administrator in Colorado ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Senior account manager ) All 3 of these sources are not able what this {$1700.00} id to be credited to or what it is for? This was paid in full in early XXXX and the reversed. They do not know why? There is " No '' " Zero '' explanation of where it is allocated/credited to. I have had over 10 in-person meeting with all 3 of these administrators and they can not explain and furthermore do not believe that I owe anything after 1 year. 
Medi Credit it turns out is a collection agency that is repeatedly stating that they are working on behalf of XXXX XXXX which is simply not true. They have stated numerous times that they have resubmitted the {$1700.00} for clarification or medicaid payment which is also 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 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have been trying to close my Comenity XXXX XXXX and XXXX XXXX accounts since XX/XX/XXXX. 

In XX/XX/XXXX, I agreed to pay them {$100.00} dollars by ACH a week until the debt was paid. By XX/XX/XXXX, the debt was supposed to be paid in full. They did not take the payment. Me thinking the account was settled, I receive a phone call in XX/XX/XXXX saying that I was {$160.00} dollars behind and both accounts are behind because of late fees. So again I pay another {$100.00} and they agree to close the account and the accounts still have not been closed. 

I just want my accounts closed and my XX/XX/XXXX payment refunded and the derogatory remarks removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NJ

Complaint narrative:
Fraudulent account opened in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TN

Complaint narrative:
Please note that the following companies ran unauthorized credit check on me, They are not entitled to check my credit history, it is not authorized, I never received any correspondence from them, I don't have an account with them and therefore must be deleted from all my credit reports XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, 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 explanation
Consumer complaint received 2019-08-22 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
COLLECTIONS {$2100.00} Reported balance PORTFOLIO RECOVERY {$2100.00} This account was in bankruptcy and closed out by XXXX. Once I came out of bankruptcy this is the only account that came after me reopening the account saying it was just opened. had phone calls with Reps at this company and was informed it was paid in full, when I asked for documentation and they sent the email ( not sure I still have ) that the account was paid it full ... they then came back and said oh, no we made a mistake it was a different account that was paid in full. I contacted them multiple times, asked that it be removed after I was told it was removed and paid in full. It is showing paid in full and closed with other reporting agencies. then they told me it was the wrong account that they told me was paid in full and kept it on the report. I also advised that I owe the IRS first with a tax lien of over {$20000.00} and am on a modified payment with them based on income. I have no money to pay that bill before I die, as the IRS has first shot at their money. 

Why is the account showing paid in full on other reporting agencies and they are keeping it open on some. Again it was in bankruptcy, they had the chance to appear in Bankruptcy court and stake their claim ( XXXX ) they did not and so account was closed. Portfolio reopened the account and said it was then opened after the fact which is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
Context : We have XXXX XXXX ( XXXX ), a very happy customer of the car. Two days back, our tire got flat. My wife was driving the car with my XXXX kids ( XXXX year old ). Luckily the incident happened 1 mile from home, in the XXXX XXXX area. 

I was able to reach there after office and got roadside assistance through my insurance along the way. It turns our after waiting for roadside assistance : we do not have a spare wheel, we also do not have the kit to fix flat tire. After calling XXXX customer service : i was confirmed that there should be a flat tire kit atleast. 

Fast Forward, next day we towed the car to nearby XXXX XXXX, XXXX dealership. The dealership was very nice and took over the Flat Tire case. They fixed the car the next day XXXX. We also found out in the process that one more tire was bad. 

After 1.5 years and <8K miles on the road : the car has gotten into wear and tear. My wife did not hit any pothole/nails during her <1 mile drive from home. In the process of parking the car at a safer place the the tire got little more damaged. 

Note : The last we had filled air was 11 months back when we did our 1st year service at the same XXXX XXXX. I am suspecting the diagnostics on the car did not reveal low tire pressure. The dealership also confirmed the air pressure was low. 

Claim : XXXX should cover the wear and tear of the Tire and pay for the Fees charged by XXXX service since its a brand new car ( leased from them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MA

Complaint narrative:
On XX/XX/XXXX or XX/XX/2019I received a credit alert stating there was a new hard inquiry on my credit. I immediately disputed it with Equifax because I did not authorize anyone to do this. A few days later while speaking to my sister, she advised me that she had spoken to XXXX XXXX NMLS ID # XXXX and he advised her of my credit score and some additional account information on one of my credit cards. 

It is now XX/XX/2019 and Equifax closed my dispute and indicated that it was accurate. Again I never authorized this, and my personal information was given to my sister who was not privy to this information. 

I want this inquiry deleted from my file and I want it noted that although XXXX XXXX was aware it divulged my personal information and credit score, they never reached out to me to make me aware of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital
State: TX

Complaint narrative:
On XX/XX/2019, XXXX XXXX from Hewitt Capital contacted my son and gave him details of an outstanding debt. My son called me stating that the person was threatening to send letters to my place of employment. I also received a message from XXXX XXXX that states that Hewitt Capital has been trying to reach me and if I don't call back, the company will send legal paperwork to my place of employment. I called her back and asked her to no longer contact my son and further action will be taken if my employer receives personal paperwork. The original debt will not be paid because I have disputed the amount they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: MN

Complaint narrative:
I am a victim of identity theft and a victim of the XX/XX/XXXX Equifax data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX , XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the Equifax data breach in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: TX

Complaint narrative:
using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on Transunion

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