vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
When signing on to Capital One 's website to pay our credit card bill I found that our account was " locked ''. I called in and were told that they could not give me any information until I proved I was me. They asked me the verification questions, which I answered correctly but then said I needed to send in a copy of my driver 's license which I did. I called back in and was then told I had to send in a copy of my Social Security Card and a household bill. After all this, they finally unlocked the account but when I called in, they could only tell me that there was a " suspicious call '' on our account. The XXXX in XXXX XXXX XXXX, XXXX emp # XXXX, could not give me any information. Additionally, she would not allow me to close the account and open anther account. In all, this took over two ( 2 ) weeks to resolve. We have other credit cards and will be closing this account but Capital One 's behavior is absurd and abhorrent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX  should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

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 2018-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX should have been deleted permanently XX/XX/2018 XXXX XXXX XXXX should have been deleted permanently XXXX as well should have been deleted permanently

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 2018-09-18 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: WAFD BANK
State: WA

Complaint narrative:
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what WASHINGTON FEDERAL BANK XXXX XXXX BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with Washington Federal Bank or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted Washington Federal Bank Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at Washington Federal in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need Washington Federal Bank and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.

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 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
On XX/XX/2018, I submitted to the CFPB a complaint about Diversified Consultants, Inc. ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. 
In response to complaint ID No. : XXXX : Diversified responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

However, XX/XX/2018 resubmitted the same item that it stated it would conduct no further collection activity XXXX XXXX and XXXX, in direct contravention of its XX/XX/XXXX letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
There is an account from a place called RENTDEBT AUTOMATED COLLECTIONS ( ORIGINAL CREDITOR XXXX XXXX XXXX ) for an early lease termination opened XX/XX/16 for {$2500.00}. 
IT IS NOT MINE. I HAVE NEVER LIVED IN XXXX OR EVEN VISITED. I DO NOT HAVE ANY XXXX DRIVER LICENSE. 
I have contacted BOTH the original creditor and the collection agency to ask for proof that this is my debt necause it isnt. I have asked for copy of social security card and driver license used to apply and process the application. Neither company has this information. all they claim to have is an application in my name and social security #. Anyone can fill out an application with your info but that isnt proof that it is my debt. I want PROOF of the identification used to open this account and they dont have it. 
I am asking it to ve removed from collections and removed from my XXXX credit reporting agency and XXXX XXXX and XXXX credit reporting agencies. 
I HAVE NEVER LIVED IN XXXX AND HAVE LIVED AT MY SAME ADDRESS IN XXXX  FOR THE LAST 9 YEARS SO IT IS IMPOSSIBLE FOR THIS TO BE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ).  They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While Trans Union was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And Trans Union SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, Trans Union should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in 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 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
After being approved for a credit card through BBVA for {$6000.00} i set up automatic payments through my credit union. 

A payment was scheduled to be paid on the XX/XX/XXXX. This payment was rejected. I then tried to pay the balance of the card on the XX/XX/XXXX and it was rejected again.

I had set up the automatic payments prior to the date necessary to have the payment made, and because the system did not make the payment for its own reasons, my credit limit was reduced from {$6000.00} to {$1000.00}. With an outstanding balance of {$800.00} the usage of the card went from 6 % to over 90 %, affecting my credit rating. 

Since calling BBVA 4 times now and being put on hold for 45 min plus, I have had no assistance in getting the account paid and still not been able to bring the account up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX   who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting XXXX dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: IL

Complaint narrative:
after finally having the money to meet and retain my attorney and being able to file all the proper police reports and federal reports equifax has not honored my identity theft packet. the XXXX and XXXX company both have investigated and deleted all contested accounts but equifax has not. there is no other way for me to prove my identity was stolen. I have done everything according to the law to restore my name, however equifax is the only reporting bureau that has not corrected my record. I have sent proof of my address at the time these purchases and accounts were created. please remove the creditors listed on my FTC report and police reports, and also this unvalidated bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: CA

Complaint narrative:
I call TransUnion to help me and they refused to help me with some Inquiries that I did not give permission to run my credit. which give some Hard inquiries on my credit. 


1. XXXX XXXX - XX/XX/18 did not get my permission 2. XXXX XXXX XX/XX/18 did not get my permission. 

XXXX. XXXX XXXX XXXX XX/XX/18 did not get my permission. 


XXXX. XXXX XXXX XX/XX/18 did not get my 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 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2018, I submitted to the CFPB a complaint about XXXX XXXX, XXXX ( XXXX ). They attempted to collect an invalid, not owed, debt from XXXX XXXX. In response to complaint ID No. : XXXX : XXXX responded in a letter dated XX/XX/2018 : XXXX has closed the account and will conduct no further collection activity regarding this matter. XXXX has requested its entry be removed from your credit report. 

While XXXX XXXX was unaware of this complaint and its resolution, on XX/XX/2018, it again placed a negative item on my report that had just been removed earlier this year. And XXXX XXXX SHOULD HAVE THE ABILITY to identify recently removed reports and then query the creditor or its representative as to why this item is once again being reported - before placing the recently removed item BACK ON a clients report. 

In other words, XXXX XXXX should ask XXXX : You removed this item in XX/XX/XXXX. Why are you again placing this item on this individuals report in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting thousand dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!

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 2018-09-18 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: GREAT WESTERN BANCORP, INC.
State: NE

Complaint narrative:
A couple of months ago I need a one-time transaction to pay my premium to a phone insurance company called XXXX XXXX XXXX.This is the only interaction I've ever had with this company as my phone insurance is deducted for my phone company and not the actual insurance company. So to be clear I've given the phone insurance company my card number one time to pay the deductible. Over a month later I was been charged {$210.00} without my knowledge by the same company. I do not have any kind of contract or agreement with this company and I certainly did not give them permission to keep my card on file or ever use it for any other transactions again. They are claiming I did not send back the original phone however they provided the envelope the tracking and I simply put the phone in the envelope and sent it. My bank is now refusing to return the money to me claiming that I have a contract with this other company. I have asked numerous times to see the proof of how or when I authorize this charge and I'm not being provided with anything.

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 2018-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
In XX/XX/2018, XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX  had REPORTED to CHEXSYSTEMS and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX  XXXX XXXX  or XXXX I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their ChexSystems and also notify Chexsystems that this is an error on their end.

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 2018-09-18 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I had recently gottten my credit run and pulled by XXXX XXXXk and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX  XXXX XXXX  & BECU BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or BECU I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted XXXX  XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into BECU and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX  XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX  XXXX XXXX and also BECU to please remove me off their XXXX and also notify XXXX that this is an error on their end.

Company response to consumer: Closed with explanation