vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 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:
This company hasn't even attempt to resolve issues. They just repeated what was said in the last statement, they have not reached out to the company they have sold my information to yet. My Imformation was falsely used in the attempt to gain credit! I have a Police Report documenting this, the credit bureaus have not even obtain any proof that they had the right to pull my for this company. Credit bureaus only state that these inquiries will be on my credit profile for 2 years. The problem is they shouldn't be on my credit report period. I shouldn't be at fault for the credit bureaus mistakes. 
I understand that my information was sold by the credit bureaus to this company and they do not want to loss money. But I shouldn't be at fault for the mistake or fraudulent use of my information to obtain credit in my name. 
I request removal of these inquiries ... This is my Fourthattempt to resolve this with credit bureaus and company. This is the 3 time using your CFPB process to resolve these issues and all your company CFPB does is after company make no attempt to resolve CFPB closes case as if it was resolved. 
Well your company handle this, are must I contact some one else to aide in these issues of fraudulent use of my information.

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 2018-03-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I noticed I had late payments on my Wells Fargo Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

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 2018-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I dont know the debt they are speaking about and it has been disputed numerous times on my credit report they continue to use scare tactics and now have started calling my employer from what I can see the debt is over 7 years old and they cant and wont provide any information. I am currently working with a company to resolve these types of issues and now they have started to contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

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 2018-03-14 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: TX

Complaint narrative:
I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are medical bills that are unverified. I have on several occasions sent letters to all 3 credit reporting agencies as well as ; the collection agency, which i have not received any validation of debt. 
Additionally, any reporting of debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$410.00} XXXX XXXX XXXX in the amount of {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Twelve months ago, a representative of Bank of America informed me that I owed {$660.00} on my credit card with the {$500.00} limit. 

At her recommendation, I allowed her to post-date twelve {$60.00} checks to be withdrawn on the fourth Wednesday of every month which is when my Social Security check was direct-deposited. 

I thought all checks had been cleared but learned in a telephone communique today, XX/XX/2018, with XXXX XXXX of Bank of America, that the last check had been returned. 

However, I still paid a total of {$660.00} on a {$660.00} bill. But, according to XXXX XXXX, I still owe them {$200.00}, which they promptly reported to all three credit bureaus. Apparently, they continued to assess late fees even though I was paying regularly. 

This is ludicrous. I did not try to avoid paying this bill. I have never avoided my financial responsibilities. And now, at XXXX, when I am barely surviving on Social Security, Bank of America is trying to get blood from a turnip. Unfortunately, the poor, elderly and disenfranchised are easy targets and today 's financial institutions have no scruples. 

Please help.

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 2018-03-14 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

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 2018-03-14 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

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 2018-03-14 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I noticed I had late payments on my XXXX XXXX/XXXX XXXX Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/18 this company was contacted in regards to a late payment that was never late ( paid through a lawyer directly ) in regards to a different account and when XXXX XXXX calls back he states I owe a debt from 8 years ago. He then accesses my credit report without my permission on something I have A ) Have no record of B ) Did not admit to owing the debt and C ) Is from 8 years ago which is past the statute of limitations to sue and can not be placed on a credit report. He then became EXTREMELY ABRASIVE and nasty and asked me " Am I refusing to pay this debt '' among other things. I then hung up. This company has 21 complaints as of today in regards to their practices, tactics and customer service on the XXXX  website. Link is below. 

https : 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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: ME

Complaint narrative:
I was sent a new credit card that had the last 4 digits of a card I already have. It said a Visa a Signature card. The heading on the letter said it was from XXXX. A typical looking credit card except it was a little thinner than most cards. There was a sticker on the card to call a number to activate the card. I tried three times with the automated system to give my numbers it kept rejecting them. They connected me with a person who took my numbers but again it didn't work, so he asked for my Social Security number to check it. I hung up realizing it was a pretty slick scam.

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 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed I had late payments on my XXXX XXXX  XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.

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 2018-03-14 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: TX

Complaint narrative:
I noticed I had late payments on my XXXX XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, contacted BBVA Compass after husband XXXX XXXX XXXX, that the bills coming were for a credit card issued to XXXX, not XXXX. The original paperwork shows the card belonged to XXXX. No charges had been made to the card in the years prior to XXXX 's XXXX. He was simply paying off the card. The result appears to have been that BBVA Compass added XXXX 's name to the card without asking permission. In turn, XXXX has been paying the bills as they come in, now paying over {$5000.00} on a {$4000.00} balance. Assistance is requested to please ask the BBVA Compass to retire this debt and correct their records showing the card is not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Starting on XX/XX/XXXX until XX/XX/XXXX I have sent three letters to Transunion, XXXX and XXXX and ALL three have yet to provide me the information as requested. Here is a simplified sample letter in regards to my request. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > Not Proven Compliant Account -- >

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 2018-03-14 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: FL

Complaint narrative:
XXXX is reporting to equifax that I still owe their company {$5000.00} on a student loan that was consolidated and transferred to XXXX XXXX. I have tried to fix this error with XXXX  numerious of times. This is a violation of the FCRA federal law. The balance owed should be reporting as a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX This item XXXXXXXX XXXX XXXX XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, Room XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my Transunion report as being filed on XX/XX/2017, on my XXXX  report as being filed on XX/XX/2017, and on my XXXX report as being filed on XX/XX/2017. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.

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 2018-03-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per XXXX, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per Experian, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my XXXX report as being filed on XX/XX/XXXX, and on my Experian report as being filed on XX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.

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 2018-03-14 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed information on XX/XX/XXXX 72 hours later I received results of XXXX 's XXXX being final.Disputed again on XX/XX/XXXX 72 hours later I receive the same email. The person I spoke with placed a new dispute. I told him that I have proof account was paid. I have a letter from XXXX 's XXXX stating that account was paid in full. He stated to go to www.experian.com/upload. I did upload information and received a note it had been accepted. I received another email on XX/XX/XXXX stating dispute was closed again. However I uploaded the document XX/XX/XXXX. So did they even do a investigation. I called XX/XX/XXXX. I spoke with a lady at XXXX XXXX who confirmed I had they did receive upload. On XX/XX/XXXX I woke up to another email stating it was final. I called them back again today. The person was very rude. He didn't want to hear what I had to say. He then said he didn't receive a upload. I explained to him about the call on XX/XX/XXXX. Also I have multiple lines of credit now. I have paid faithfully and my credit score is not being updated. I feel as though I'm lost and no one will help me. I have been on top of things. Then to try to explain to someone what is going on and they talk over you and say so what. I paid bill to clean up my credit and have to go through this. They will not help.

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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a notification in the mail that the interest on my account was going to increase. I did not want to accept the new interest rate and wanted to speak with a customer service representative to pay off my credit card and have my account closed, however when I went to the back of the card to dial the number provided for Customer Service, the number is no longer available, and it gives the customer directions to look at their statements to get that phone number. Well turns out that the customer service phone number in my account statement is the same on my card XXXX, and I have not been able to speak with a customer service representative.

Company response to consumer: Closed with explanation