vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found XXXX XXXX was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the XXXX XXXX and was verified. 

I m requesting a full removal of the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2019-07-22 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: GA

Complaint narrative:
This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX XXXX asking for proof that this account was late during the months that TransUnion is reporting and they sent a response letter stating that I was NEVER late during the months TRANSUNION is reporting to my credit report. I have attached proof of the verified information from 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 2019-07-22 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: FL

Complaint narrative:
In XXXX ... XX/XX/XXXX ... I paid several debts that I had including this one Im referring to now ... because from all the others theyve corrected my credit report as paid ... now this was not only do they show that I have not paid they after years of not reporting ( since XX/XX/XXXX ) they have started reporting XXXX & XX/XX/XXXX as FAILED TO PAY ... I have called Experian and them XXXX XXXX several times and thru Experian I have filed 3 Disputes with copy of the letter that I payed ... I PAYED .... they claim that I didnt pay to them ... I paid the company they sold the claim to ... its not my fault that they sold the debt and I came back and paid it ... they have no rights to claim a debt they sold and I paid ... nor do they have the right to tstart reporting after not reporting since XX/XX/XXXX and start reporting what is not true in XXXX and XXXX FAILED TO PAY ... MY SCORE HAD GONE UP SINCE XX/XX/XXXX WHEN I PAID ALL THAT I OWED AND BECAUSE OF THEM START REPORTING AND SHOW ME AS NEGATIVE INSTEAD OF PAID ... THIS IS FRAUD!!!

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 2019-07-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi There, I am wondering if I can file a lawsuit against MACY for damaging my Credit Report. I had opened their Credit account 3 months back, but I never received their Credit Card at my residental address. After a while, XXXX XXXX ( Credit agency ) notified a new account is opened and it had some balance due in it. As I never received a card, so I called em and closed the account, but they told me to clear the due at the store. I went to store and the store keeper said that account is no longer a valid and so my due is not reflecting. That's 2 -3 months back. 

Last week I got a call from their department, that there is due and interest showing up on my closed account and has to be paid. I was at rush but later by the end of the day, I called them and they admitted their mistake but told me to clear the merchandise value, but the interest wont be charged. I cleared everything right there and now the account is closed and it is now 0 balance. 

However, couple of day after, XXXX XXXX show that my credit score has been damaged due to that and is now reduced by almost 100 pts down. 

I am trying to call em up but they are not taking responsibility of it and saying they WONT reverse this. 

I am trying to purchase a house and this credit report is going to create a severe consequence and I am looking to sue em up. 

Please share your understandings. 

Thanks

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 2019-07-22 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: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2019-07-22 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: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. Citicards CBNA has continuously disregarded my consumer rights under the Fair Credit Reporting Act by reporting a fraudulent account to the three major credot bureaus. I tried to fix this directly with them back on XX/XX/XXXX, but they did not repond to my debt vaidation request. 

All I am asking is the following account to be removed from my credit reports, since its a fraudulent account : Citicards CBNA acc # : XXXX. Balance : {$0.00}. Opened : 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 2019-07-22 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: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2019-07-22 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/2017, I received an email from Attorney XXXX XXXX 's law office in XXXX XXXX stating I was a victim of the XXXX Data Breach. 

I checked my Social Security Number and DOB on the Equifax Site and it confirmed my identity and information was breached. 

I am filing a claim and acknowledged my Mass State Atty. general Class Action suit against Equifax and submitted my document to the Massachusetts State Attorney General 's Office In XX/XX/2017 XXXX XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Southern Auto Finance Co
State: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am lodging a formal complaint against Jefferson capital system. This debt collector has reported derogatory info on my three credit reports for a debt I have no knowledge of for the amount of {$660.00} from a XXXX account. I have lived in XXXX XXXX, NJ my whole life and never had service with XXXX. I never received anything in the mail from this company or phone calls to let me know about this debt. Which is a violation of the FDcpa. Debt collectors must send me a notice by mail which gives me 30 days to dispute validity of account. I am in the process of purchasing my very first home for my family and I and this account is holding me back. I am requesting immediate deletion of this errounous account from my three credit reports so I can purchase my first home. I will be filing XXXX  complaints and attorney general complaints if this account isn't deleted. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I am contacting you for assistance with an issue that I am getting nowhere with Best Buy/CBNA. I had an account Charged-off that was paid in 2013. The account has remained on my credit report ; however, now, over the last 3 weeks, it's been reported as a new charge off on a daily basis to XXXX. Since this is an old charge-off account that has been paid, and shows up as paid, then why is it being reported as a new charge off every single day for 3 weeks? I have credit monitoring software that I use that has been showing this. Please assist. I keep getting redirected every time I call Best Buy and CBNA with no resolution. Thank you.

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 2019-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Around XXXX XXXX, I received a fraud alert from VISA with three charges on it. Two were legitimate, one was not. The charge was for {$320.00} to XXXX cell phone service. I did not order the service and didn't want it. Within a day or so, XXXX delivered a package from XXXX which contained a phone. I did not activate the phone. I tried contacting XXXX online but could get not help. The same for phone calls. I was never able to talk to a person with either. I called the local store. They told me they could not help me, I needed to talk to the main office and gave me a phone number. Again, I was unable to talk to a person. I could not find out what they wanted done with their phone. 
VISA withdrew the charge. Last week I got a letter from VISA saying the charge had been reinstated. I called to complain, explaining I did not authorize the charge, I don't even know what the charge is for, and that XXXX would not talk to me. So, they agreed to do a re-evaluation. 
In the meantime, I again tried to get in touch with XXXX online and by phone to no avail. The local store gave me a couple of numbers to call. Again, all I got was computer generated voices. So, I went to the store located here. They said they could not help me and tried calling the same numbers they gave me and could not get through. Finally, they tried a third number and got an agent to talk to me. He told me the phone had to be returned within 5 days of receipt ( which I did not know ) and the only suggestion he made was to sell the phone to someone or use it. 
Today, I received a letter from VISA stating that since XXXX showed that I received the phone they had to let the charge stand and would not look into it any further. I have never denied that I received the phone. That is not the issue. I did not order it, I don't want it, and neither XXXX nor VISA are willing to take the phone back and remove the charge.

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 monetary relief
Consumer complaint received 2019-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a Victim of Identity Theft. I did not Authorize these Accounts

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 2019-07-22 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: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield, hired by XXXX XXXX XXXX has been harassing me via phone and has sent me a letter in regards to a pending litigation. I received a letter threatening me in regards to collecting a debt that has a pending litigation. The letter is dated XX/XX/2019. The hiring is XX/XX/2019. There is no debt and this is illegal.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

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 2019-07-22 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: FL

Complaint narrative:
I have a Victim of Identity Theft. I did not Authorize these Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Hi there! 

I did not approve this inquiry I want to dispute this transaction Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have paid the account and I was told it will be reported paid in full and removed. 
there are incorrect late payments. 
the PNC BANK failed to report according to The Fair Credit Reporting Act ( FCRA ). 
IN XXXX XXXX they get paid. I waited 31 days but they failed to reported paid so in XX/XX/2019 I called asking them to remove the account from my credit report a violation of law. The Fair Credit Reporting Act ( FCRA ). yet they failed again to correctly report it. and it still hurting my credit score causing me hardship and finance problems. 
I requesting a removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I opened XXXX account with Comenity Capital Bank for XXXX Mastercard in XX/XX/XXXX, made one charge that month and paid balance in full the following month in XX/XX/XXXX. I've not used it since, and never received a card or statement. 

I've tried to close this card ; and instead am now g dunned for {$160.00} in fees for XX/XX/XXXX, which I was never billed. 

Comenity claims it sent me an annual fee bill for {$55.00} in XX/XX/XXXX, which I have never received. Comenity never sent me a bill, claiming it was emailed to me. They then claim this is now {$160.00} due to late fees. I never received any such original or subsequent bills. Checking with my service provider I've not received any bill by email ( not in trash, junk or other folder ). 

I asked them to close my account, which they say they'd already done ; but that the will not adjust a closed account. The supervisor XXXX in Customer Care ( # XXXX ) would also not adjust the account. 

I'm sending them the {$55.00} original annual fee, even though I didn't want the card in the first place. This kind of usurious behavior should be prohibited. Please put this in your Comenity Capital Bank file -- I'm sure there are many others with this same complaint! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from XXXX or 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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc.
State: NJ

Complaint narrative:
I am lodging a formal complaint against ra rogers Inc collections. This debt collector has been reporting derogatory information on my three credit reports for a debt in the amount of {$13000.00} from XXXX XXXX XXXX XXXX. I have never been associated with this credit Union in my life. I have lived in XXXX XXXX NJ my whole life. I have never received anything in the mail from this company advising me of this balance. Which is a violation of the FDcpa. Debt collectors must send a notice to consumers which gives the consumer 30 days to dispute validity. I've never received anything from them. No mail, no phone calls,. Nothing. I am in the process of purchasing my very first home for my family and I ... and this derogatory account is holding me back from reaching our goals. I'm requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from Equifax or XXXX.

Company response to consumer: Closed with explanation