vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received an email at XXXX CT on XX/XX/XXXX that Citi decided to close one of my accounts, which did not give any additional information. After messaging the bank 's customer service on their app, I was told it was closed due to inactivity and that I had to call in. After navigating through a labyrinth of automated menu options, I was finally able to connect with a customer service representative who was very kind and understanding. Unfortunately the representative said that there was no automatic way to reinstate the account and that the bank had to submit a hard inquiry of my credit report and get a specialist to review the request, and that I would have to wait at least 7 business days to get a letter in the mail regarding the bank 's decision. There was no guarantee that I'd be approved - even though I've had the card for almost 7 years - but if I was the same tenure of the card would continue. I had to go through multiple channels to get help and did not get any assurance that I would get to keep a card that's integral on my credit report. I've never carried a balance or paid late, and have been a trustworthy customer for the bank, so this action makes no sense to 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 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems - XXXX- is reporting and attempting to collection a debt that I do not owe - For one I have always had insurance and I shouldn't have any medical debts ... Also this debt is showing way past the statute of limitations as well. This is erroneous and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It was early 2018 I was staying with a friend in XXXX Texas I left my car door open and at night someone broke into my car and took my wallet which contained my Id my social and my birth certificate had to get a new one of everything after that I noticed false information on my credit tried to dispute it several times but dint have a police report to back my case because i never thought I would have to get one never called the cops only talked to the people at the apartment complex hoping thee would be cameras I currently live in XXXX Texas with my father and its been hard trying to get a place because all this false information 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 2020-05-19 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXX   XXXX {$2000.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX   XXXX {$860.00} XXXX  XXXX {$830.00} XXXX  XXXX  {$1100.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX not mine/never late COLLECTIONS  XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
Direct. Express comerica bank direct deposit for government benifits is a very unprofessional thought it was a scam. Took 22 tries to get to customer service to talk to some one when card was stolen. Never asked me anout last charges no fraud dept. Said they were sending card 2 days 7 days no card called and called and called final getbthrough the card was never sent they cancalled card sent another one 2 day mail after a aweek using card it dosnt work cant use online purchaes gas staion etc. I call again card number invalid tell me to use. XXXX another scam company. What the hell i have a credit card with invalid number they tell me use XXXX are u serious. I had to order another card third card pay another XXXX to get it here in 2 days plus XXXX for replacement card. Its there fault they did something to my card worked then all of a sudden invalud card atm dosnt work either .complete unprofessional scam a bench mark card of us treasury

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: ME

Complaint narrative:
Caller would not identify where they were from. I asked several times and told the gentleman that if he would not identify where or what he was calling about, I would not speak with him. He finally said that he was calling to collect a debt from XXXX XXXX XXXX. I asked him to send me a bill and that I would take care of it. He said that he had sent one in XXXX and continued to tell me that since I was on the phone I should pay him now. The beginning of the call was uncomfortable to begin with. I do not trust giving someone that refused to identify himself in the beginning any money over the phone. We went back and forth several times and I was cordial and firm asking him to please send a bill so I could take care of it. He threatened to add it to my credit report. I am not denying that I owe a debt, I just asked the gentleman, if he is with XXXX XXXX XXXX, to send me a bill and I would pay it. I take responsibility, but I do not feel like I deserve to be threatened and harrassed. Unfortunately, I was diagnosed with XXXX XXXX in XXXX and was in the midst of an XXXX XXXX regimen that lasted until this month. That is no excuse, but this debt obviously slipped through the cracks. I just don't believe that I deserve to be treated this way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$21000.00} XXXX XXXX  XXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXX   XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX   XXXX {$860.00} XXXX  XXXX {$830.00} XXXX XXXX  {$1100.00} XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXXXXXX {$21000.00} XXXX XXXX XXXXXXXX {$19000.00} XXXX  XXXX {$20000.00} XXXX XXXX {$35000.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXXXXXX {$34000.00} XXXX XXXX XXXXXXXX XXXX {$24000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$13000.00} XXXX {$240.00} XXXXXXXX XXXX {$2000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$860.00} XXXX XXXX {$830.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: UT

Complaint narrative:
Collection Bureau of A- XXXX - is reporting on my credit and attempting to collect a debt that I do not owe. I don't owe this nor have I ever signed anything or received anything and this looks like it is old and past the statute of limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I am currently on a payment deferment on this lease with VW because of the Coronoa Virus outbreak. They reported me late 30 days last month even though I am on a {$0.00} monthly payment with them. I called to try and fix it and they said they needed to see a dispute before they could fix it. this seems outrageous! please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand

that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and
made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: LA

Complaint narrative:
The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX  : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX XXXX, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX  Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT 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 2020-05-19 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: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person XXXX XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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