vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 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: PA

Complaint narrative:
XXXX XXXX card never accepted card and never opened account does not belong on my report needs to be removed from credit bureaus report Reprted on XX/XX/2019 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 2020-03-15 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: PA

Complaint narrative:
XXXX XXXX card never accepted card and never opened account does not belong on my report needs to be removed from credit bureaus report Reprted on XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: PA

Complaint narrative:
XXXX XXXX card never accepted card and never opened account does not belong on my report needs to be removed from credit bureaus report Reprted on XX/XX/2019 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 2020-03-15 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: FL

Complaint narrative:
I received a letter from Citi dated XX/XX/XXXX regarding my Citi Thank you Preferred MasterCard credit card account. They stated they were closing the account due to inactivity. They did not contact me prior to closing the account even though I have had this account since XXXX. I last used the card in XX/XX/XXXX and paid that bill on XX/XX/XXXX. I had a XXXX  balance when the account was closed. 

I called Citibank on XX/XX/XXXX and asked them to reinstate my account. The first person I spoke with was based in the XXXX. They wanted my social security number which I declined to give them. Finally they transferred me to an agent in the United States who also requested my SS #, income, etc. and said they would need to run a credit report on me. This is the same as applying for a credit card. It is not reinstating my account which they should have been able to easily do since they just closed it. 

I gave them the information they requested and they will let me know in 5-10 business days if they will reinstate my account, what my credit limit will be and what the terms will be. Meanwhile my credit record will be dinged because they are running a credit report. I have no idea of the terms of the card they will reinstate. 

I feel quite angry that the company did not reach out to me before closing my account which was in good standing. This is no way to treat someone who has had an account with them for more than 30 years.

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 2020-03-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-15 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: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I've contact XXXX  regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by Huntington National Bank to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact Huntington National Bank, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed Huntington national bank in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-03-15 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: FL

Complaint narrative:
Transunion is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.

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 2020-03-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: FL

Complaint narrative:
XXXX  is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.

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 2020-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I purchased a vehicle and the loan company was bridgecrest it was in XX/XX/XXXX the loan was for 47 months last payment was given onXX/XX/XXXX I finished paying the vehicle the loan was for {$10000.00} dollars the monthly bill payment was {$320.00} a month they say I owe them XXXX dollars I owe nothing they would not report to the credit Bureaus all the months I payed even when late due to trying to fix the vehicle since purchasing it the vehicle was always broken it stopped working after 12 months and I still continue to pay it it was parked in the front without using this is affected my credit I tried to dispute and speak to them they wont

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: MA

Complaint narrative:
Credit inquiries that I do not recognize or have authorized. 

XXXX XXXX XXXX XX/XX/XXXX Chrysler Capital on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cohen McNeile & Pappas, PC
State: MO

Complaint narrative:
Debt collector McNeils Pappas PC I received a letter to appear in court XX/XX/XXXX at XXXX oclock. I showed up and at the end the judge asked why I was there and I showed him the letter debt collector, Judge told me I didnt need to be there because they didnt file it right, And they never showed up .They are saying I owe {$14000.00} on a date to XXXX XXXX XXXX . This is where I bank they hold the note to my house. XXXX I made a report with the federal trade commission FTC # XXXX and police report. 
I dispute it with my bank XXXX XXXX XXXX XXXX but they would not do anything. I had other fraudulent charges that Ive been taking care of. But this is the one thats going to collections and threatens to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: DC

Complaint narrative:
I have false, negative claims on my credit report do to identity theft back in XX/XX/XXXX. These false claims are preventing me from purchasing a house at good rates for my family and I. There is a claim by XXXX XXXX XXXX  stating I had an account with them in XX/XX/XXXX. I have never done any business with XXXX XXXX XXXX  what so ever in my life. XXXX XXXX XXXX  states I then charged a XXXX to that account and never paid the balance of {$300.00} USD. At the time of the identity theft I was banking with XXXX XXXX XXXX XXXX and was notified by them about the matter. XXXX XXXX XXXX XXXX informed me to sign a Police Affidavit stating that it was a case of identity theft. I then signed a police affidavit and submitted it back to XXXX XXXX XXXX XXXX. I thought everything was done with the issue being as though the money was never charged to my account with XXXX XXXX XXXX XXXX. XXXX XXXX Bank then started making harassing calls to me as well as sending threatening letter saying " if I don't pay the balance they were gon na send it to a debt collection agency. I tried explaining the facts of the matter to XXXX XXXX XXXX. Trying to tell them that I never had any business dealing with them and that was a case of Identity theft. They wouldn't listen. In XX/XX/XXXX, I was in the process of purchasing my first home. My credit was checked and a debt of {$380.00} USD showed on my report. The debt was being enforced by Midland Funding and was a result of XXXX XXXX XXXX  transferring the debt to them. I reached out to XXXX XXXX XXXX  to inform them I never opened an account with them once again and they just wouldn't listen to me. XXXX XXXX XXXX  would just keep hanging the phone up on me. I contacted Midland Funding to inform them of the Identity theft that occurred with XXXX XXXX XXXX  pertaining to the exact same debt they were attempting to recover. They were not listening and continue to send letters to me to retrieve the amount. I have tried disputing the debt with the credit bureau and nothing has happened. I hired an attorney to clean up this matter for me and ended up paying them more than the amount the debt is, still nothing has happened. I refuse to pay for goods never rendered to me. I refuse to be another American being rail road by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: ND

Complaint narrative:
There is a collection on my report that should be removed. The information reflected by Equifax was wrong and i sent a dispute to them on XX/XX/XXXX and received a response on XX/XX/XXXX with updates to it as well as my Fico score dropping 14 points for no reason what so ever. A payment was missed to a hospital in XX/XX/XXXX and the debt was sold to this collection agency and they have been misrepresenting the delinquency date since. When I reported this to Equifax and ask that they remove it as it has been over 7 years since the delinquency which also has been paid in full, they corrected the delinquency date to reflect it being much older, updated the debt collection and balance date for today thus dropping my score 14 points. That is not fair and that is not legal! It should have been completely removed. Clearly something is amiss here with this. I have attached a pic of the credit report reflecting the collection as well as a pic of there updated results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I went to XXXX on XXXX XXXX ( XX/XX/XXXX ) to make some purchases. Among the purchases was a pair of pants ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : XXXX XXXX, Cashier : XXXX ) that totaled {$45.00} after discounts ( XXXX XXXX XXXX XXXX XXXX ) that ended up being the incorrect size. 

I returned to XXXX on XX/XX/XXXX to return the pants, and the employee, XXXX, told me that they did not have the pants in stock in the correct size, but she could order them for me. I agreed to order the pants in the correct size, and they were for the same amount, {$45.00} ( Store XXXX, Register XXXX, Transaction XXXX, Date : XX/XX/XXXX, Employee : House, Cashier : XXXX ). 

The pants never came. At a later time in XXXX I think, I received a notice by mail indicating that the pants would not be coming. Since I was already charged for them on the XX/XX/XXXX receipt, I went to the store to get a refund. The employee stated that a refund for the pants would automatically be forthcoming because the way their system works is when there is an order that can not be fulfilled there is an automatic discount. Unfortunately, the employee kept the notice I received by mail so I no longer have a copy of it. 

I received a credit card bill that included the amount of the pants that I already knew I would not received because I had received the notice to that effect. I called the XXXX credit card helpline because I was unwilling to pay for pants that I would not receive and, which XXXX staff had already told me I would be receiving a refund for. The credit card department said that there was something strange with the transaction and that all they could do at that time to prevent me from having to pay for the pants at the time my periodic bill was due was to dispute the charge, which I did. 

I received a letter on XX/XX/XXXX informing me that the credit card issuing company, Comenity Bank was in receipt of my dispute, and that they would process it in accordance with their policies. On XX/XX/XXXX, I received a letter informing me that the result of the investigation was that I had never been charged for the pants, and, as a result, I was not due any credit for the charge. I have since been billed in the amount of {$45.00} for a pair of pants that I never received, and it is obvious just by looking at the receipt dated XX/XX/XXXX that I was charged, so the letter Comenity Bank sent me dated XX/XX/XXXX has clear factual misstatements therein.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Someone stole a balance transfer check from my mailbox and used it to write themselves 2 checks from my Southwest-Chase credit card. The checks were written to XXXX XXXX XXXX. The first check, went through and had taken {$860.00} out of my account, plus a {$34.00} transition fee. Once I saw this activity, I called Chase to get this taken care of. They gave me my money back, cancelled my card and got me a new one. About 2 weeks later, I received a letter saying I recently wrote a check to XXXX XXXX for {$1300.00}, which was declined, since I blocked my account. In total, XXXX XXXX tried taking {$2100.00} from my credit card plus any transactions fees that could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I checked my credit report and notice that there are two collection agency calling for same amount. When called to let them know I do not owe thos debt both wakefield and associates and revenue recovery are the same company with different names on my credit report. Today I am now served being sued by the original creditor for {$380.00}. Who do I pay? how is debt now {$1100.00} ( XXXXx3 ). If I pay both collection agency as well as creditor. This is against the law. I have now lost a total of 60 points on my credit report for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
NATIONAL CREDIT SYSTEMS is attempting to collect a debt from us of {$28000.00} on behalf of XXXX XXXX XXXX. XXXX lost several attempts to sue us in court and is attempting to use NCS to try and damage my credit report. I disputed the collection which is now on my credit report. I had my attorneys send them letters to not place a collection until fully verified that they had the authority to do so, which they never provided truthful and accurate information. XXXX XXXX   XXXX  is providing them false records. We do not owe XXXX XXXX to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC

Complaint narrative:
I contacted ERC XX/XX/XXXX for debt verification after inaccurate information appeared on my XXXX  credit report. I informed them that I lived in XXXX and that I was unaware of the debt nor had I received written communication regarding the debt. I informed ERC that I was willing to pay the debt if the item was deleted from my credit report to which they refused several times. I spoke with 3 different supervisors XX/XX/XXXX and XX/XX/XXXX all of which refused to remove the inaccurate information from my credit report. 

I contacted the original creditor XXXX XXXX XXXX to inquire about the debt. I was informed of the balance owed and date of first delinquency. The information reported on my XXXX report from ERC is time barred since the date of first delinquency with the original creditor is XX/XX/XXXX. ERC is reporting a date of first delinquency of XX/XX/XXXX and a removal date of XX/XX/XXXX which is inaccurate. Furthermore I never received written communication from XXXX XXXX XXXX nor ERC that a debt was owed and thus was unable to rectify nor dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NJ

Complaint narrative:
I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting transunion was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB

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