vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX has past due payment for the month of XXXX and XX/XX/2017. I do not have any late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Was contacted by representative from I C Systems on XX/XX/19 claiming to be a representative from XXXX XXXX XXXX. She never mentioned her actual companys name but claimed that I owed {$87.00} to XXXX XXXX XXXX and that once I paid the {$87.00}, the account would be settled and not reported to the credit bureaus. I paid the fees and assumed the account was closed. Two days later I was alerted by XXXX XXXX that the account was reported to the bureaus as delinquent and that I owed {$240.00}. I immediately disputed the negative item on my reports, disputed the {$87.00} payment with my bank as a scam and filed a report with the consumer finance agency. I C systems uses deceptive practices and fraudulent misrepresentation to convince consumers to make payments on accounts to prevent negative credit impacts. DO NOT PAY THIS COMPANY.

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 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Gap has a past due payments for the month of XXXX and XX/XX/XXXX and 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 2019-04-19 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: Innovis
State: TX

Complaint narrative:
On XX/XX/2019, I sent a certified letter to Innovis Consumer Assistance requesting validation bearing my signature of an account they are reporting under XXXX XXXX and if they could not provide the information that the account be deleted. On XX/XX/2019, they sent an " account has been verified as accurate '' but provided no validation documents and placed no dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a second letter requesting the verification documents bearing my signature and their failure to place dispute remarks and they not only did not respond to the request, they also did not place dispute remarks. On XX/XX/2019, I sent a letter requesting the procedure used for validation within 15 days and they have since failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry : XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing with XXXX XXXXXXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because XXXX does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX and another company which name I can't recall. I have faxed them, email them, US postal service and only Transunion had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent XXXX XXXX and 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
Consumer complaint received 2019-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been disputing with Equifax, XXXX, about credit alerts on my credit report. I do understand that they are protecting me as a consumer but this is ridiculous. I am unable to obtain a Mortgage Loan because Equifax does not remove the credit security alert on my file, which I originally filed to put in when there was a breach of credit in 2017 with XXXX  and another company which name I can't recall. I have faxed them, email them, US postal service and only XXXX had it removed. 

I have several disputes that do not belong to me which have been reported but continue to appear in my credit report. I am a member of XXXX and have contacted them on several occasions but the representatives have hung up twice on me and I am at the point of pulling my hairs out! 

This is unacceptable and unprofessional. I have sent them my California Drivers License a copy of my Social Security, a current bill of my present address, tax verification all that they have requested and the problems still remain there. I have verified my identity over 15 times and they still do not proceed to assist me. If I was an Identity Thief I would not contact your office nor continue to battle with none of the consumer credit reporting agencies. Please help. I have documentation that I have sent Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I loaded XXXX dollars onto my American Express card card and did not realize until I got my statement online that my money was deducted from my card that when I looked and saw that I did not have my card in my possession I called the company and they sent me a PDF file fraud documents to fill out but I don't have a computer and my phone does not have what needed to fill out and upload and I ask three different occasions if they could take over phone or send bye mail or email address so I can send this back and they kept telling me after explaining that I don't have a computer or a way to get to the library or money to fax im on a bus and have no cash except XXXX cents it has be back to them in two days I won't be anywhere to fax or use computer until the XXXX of XXXX I really need my money back it was not me that used the card nor does anyone have permission to use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/2019 @ XXXX AM XXXX i sent {$600.00} of US money converted to XXXX XXXX XXXX on PayPal to a XXXX seller by the name of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX i sent the money and confirmed a scam after he blocked me on everything and sent fake reciepts, he even made me money gram another {$500.00} cash

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax report now has a new derogitory remark on it that was not there before due to me paying it off.. I payed the debt off and all XXXX agency removed it and raised my credit but now only Equifax has it on it again and I do not know why.. I have tried to call but I have gotten the run around. Transferred here and there told ro call this and that number. I called the original creditor and they state that they did not report it again and that they have nothing to do with me anymore as i owe them nothing. I would wait but it just reappeared after months of ahowing payed off. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I have been contacted by convergent in regards to a collection account that is supposedly owed by me. I have yet to receive any type of legally binding signed contract that the debt is mine. There is no contract that this debt is owed by me. Out of good faith, I agreed to pay a small amount towards this bill until this issue is resolved. The first payment of {$30.00} was deducted on XX/XX/XXXX. I am requesting this debt be validated by a signed contract.

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 2019-04-19 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: TX

Complaint narrative:
I looked at my credit report and I saw a lot of items that I didn't recognize. I want them deleted 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 2019-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a XXXX XXXX XXXX checking account and had sold a phone online and was paid with a cashiers check in which I deposited into my account and it had cleared with the available funds. This was in XXXX of XXXX. In XXXX of XXXX I also had a XXXX XXXX   checking account that became overdrawn and fees piled up from my ex wife using my card. I also had a checking account with US Bank in XXXX of XXXX that has the account closed and labeled account abuse for I have no idea why. I have a XXXX XXXX XXXX   account on my report that was closed in XXXX of XXXX, because again, I sell things online and received a cashiers check that apparently never cleared. I also have multiple banks with inquiries under my name and social that I never requested, such as XXXX in XXXX of XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX in XX/XX/XXXX as well as XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX installment XX/XX/XXXX. All of these transactions were done without my knowledge and not by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2019 XX/XX/2019XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 I have these hard inquiries when I called and said they were not taking it off I did t apply for these at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Failure to produce any legal evidence or verification for the alleged debts, and it is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

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 2019-04-19 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:
Failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''.

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX-XXXX-XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XX/XX/XXXXXXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 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: Home Loan Center, Inc.
State: VA

Complaint narrative:
I filled out an account on XXXX XXXX, they asked me for my last 4 of my social and stated that it would not affect my credit score. That was a lie. I filled out basic information nothing about my social security number on XXXX XXXX website for a debt consolidation/consultation through clearone advantage. 2 minutes later they pulled my credit with absolutely no authorization. I didnt even give them my social ... ... ... ..please correct. Hit my credit for nothing XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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 am an identity theft victim. accounts open in my name were not mine XXXX 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 2019-04-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My account was behind and I tried to make a payment plan with a debt consolidation company IN XX/XX/XXXX OR XX/XX/XXXX. XXXX XXXX REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With XXXXl XXXX REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo Bank Consumer Bankrupcy Team is failing to report to all 3 credit bureau XXXX XXXX XXXX XXXX when my credit card account number XXXX endinging in XXXX for the credit card amount XXXX was discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts on XX/XX/2019 when they received the notice of the order of the Discharge notice showing that the credit card account number XXXX was paid off in Chapter XXXX Bankrupcy and Discharge by the Bankrupcy Courts. 
And reporting it as late payment and close account when is suppose to be noted as Paid and Discharge in Chapter XXXX Bankrupcy by the United States Bankrupcy Courts when they sent them the order of the Chapter XXXX Discharge notice showing that this credit card account was discharge in Chapter XXXX Bankrupcy and was Discharge on XX/XX/2019

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 2019-04-19 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: VA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : 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 non-monetary relief
Consumer complaint received 2019-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account was behind and I tried to make a payment plan with a debt consolidation company IN XXXX OR XXXX. Capital one REFUSED THIS OFFER and XX/XX/XXXX FIVE YEARS AGO my account was CHARGED OFF. This is still on my credit report and is causing me a lot of issues. With Capital One REFUSING TO HELP ME PAY MY DEBT this needs to be removed immediately since it is over 5 YEARS OLD. TAKE THIS OFF OF MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: VA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I reached out to the FTC and local police. Im doing this on my own behalf. I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( lnquiries ) : 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