vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Responding to your BANK OF AMERICA letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I have multiple listings of a debts from IC Systems collecting for XXXX pet insurance. I was never notified of the accounts, and they appear on my credit report with no notice causing great harm to my credit report. One is even a duplicate! Moreover, I do not use XXXX. These items should be removed immediately! The amounts are : {$180.00}, {$180.00}, and {$520.00}.

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 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National credit adjusters is reporting to the three credit bureaus that I have debt in collections from 2014 from XXXX XXXX  XXXX. I have never had a loan XXXX XXXX XXXX and have asked them to furnish proof that this loan belongs to me but they have not provided any documentation proving that this my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: GA

Complaint narrative:
I am requesting for Equifax to block and remove these fraudulent accounts immediately from my credit report. I have attached a copy of my police report as well as recent correspondence where Equifax removed these fraudulent accounts. Equifax is violating my rights and I will be suing your company. 


XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX BANK Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: VA

Complaint narrative:
I sent Diversified Adjustments a certified letter asking them to very the debt that owed. The agency sent a photo copy of the two years agreement that was not valid. The term was over and paid in full. Letter was mailed out to the agency asking them to validate the signature and the correct amount. The agency was ask to verify how they are validating the information and give the name and number of who validate the information is correct and valid. They did not response to the certified letter. I keep receiving harassing phone calls from them saying that the debt is valid. Without correct info how can the debt be valid with no account number. XXXX was the company that sold the account to two different collection agency. I sent both copies to the collection agency stating that the debt is not valid. 


Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Responding to your XXXX  XXXX XXXX letter that was send to my mailing adress dated XX/XX/2020. " See Attachtment documents '', 2 other banks and XXXX  made a full investigation about my claims against their companies and came to the conclusion that my identity has been compromise and fraud aplications were made under my name. These companies immidiately remove their inquiry from my credit report. 

I reported this Inquiry directly to your company and your fraud department agent told by phone she couldnt located this inquiry no where on your file system. NOW IN YOUR LETTER YOU TELL ME THAT THIS INQUIRY IS ACCURATE, CAN WE SPEAK HERE ABOUT MISLEADING AND FALSE INFORMATION FROM YOUR BANK TO MY PERSON??

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 2020-04-04 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: HW Holding, Inc
State: GA

Complaint narrative:
Due to a program, XXXX XXXX closing its doors in XX/XX/XXXX many families including my self was force to find other housing. I was living at XXXX XXXX XXXX  ran by XXXX XXXX. I was informed by XXXX XXXX   ( forgot the lady 's name who called me ) we had to move. I moved as quickly as possible by paying a moving company to move and placed my belongings in storage. A week afterwards I was called by someone named ( XXXX ) and offered to stay in a different apartment because they were upgrading my apartment. Because I had no where to live, I agreed if they could find me an apartment upfront near the apartment I moved out of. I was informed the only apartment they had left was in the back. Due to homelessness, I took it. After moving in, I found the apartment to have issues and was infested with roaches. The upstairs neighbor confirmed this as well, she informed that after the previous tenant moved out, her apartment was infested. Nonetheless, I called and sent email to get concerns such as spiders coming in through a window and the patio door allowed other insects in. I could not bare it any longer. I had not moved any furniture in, I slept on a mattress in the living room. I informed a leasing agent I am moving. I went to court and the attorney informed me as long as I was out of the unit by XX/XX/XXXX I would only be charged the court fees and I believe late fees. I informed the attorney I would be out. I moved the few items I had in the apartment, went to a hotel, and the next day XX/XX/XXXX, I moved into Transitional Housing where I remained until XX/XX/XXXX. I believe the keys were turned in on the XXXX or XXXX of XXXX. My issue is the collection agency continued to raise the fees which caused my credit to drop each time. The amount owed to the collection agency Hunter 's warfield is nearly {$5000.00} if not over since I last heard from them. A rep from Hunter 's Warfield costantly called and failed to listen to me ... they were quite rude. I later found out that XXXX no longer manages the complex and I dont know what to do.

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 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion refuses to update my correct employment information, preventing me from applying for a home loan.

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 2020-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was told by XXXX XXXX XXXX  that Jefferson Capital was handling my debt. I contacted them on XX/XX/XXXX and settled the debt. On XX/XX/XXXX,  XXXX XXXX XX/XX/XXXXsaid they got notification that debt was sold. I contacted Jefferson Capital to see if they would send information about account being paid, not sold. Nothing has been updated on my credit reports. Credit bureaus wont accept my paperwork because debt is under XXXX XXXX XX/XX/XXXXand not Jefferson Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian refuses to update my correct employment information, preventing me from applying for a home loan.

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 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am writing this due to non-compliance with the IC SYSTEM. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are 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 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax refuses to update my correct employment information, preventing me from applying for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion refuses to update my correct home address information, preventing me from applying for a home loan.

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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
been trying to call capital one for 2 weeks to ask for a payment extension before my payment was due XX/XX/XXXXand they are not answering the phone or they disnconnect after waiting on line for long amounts of time. they have no other way to contact them other than snail mail. no chat no email. they have now charged me for a late fee. my wife and i have both lost our jobs because of the virus situation and have no way to make payment at the moment.this seems crazy there is absolutely no way to get in contact with them for 2 weeks straight.please help. thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OK

Complaint narrative:
IC System Inc in Minnesota filed a City of XXXX collection charge off account with the credit bureaus, in the amount of {$360.00}, dated XX/XX/XXXX. 

I have not had an account with a company named " City of XXXX '' as listed in the credit bureau files. 

I have attempted numerous times to have this account deleted, but IC System Inc continues to dispute with the credit bureaus, stating the information is correct.

IC System Inc had a similar collection account in my name for the City of XXXX, dated XXXX in the amount of {$340.00}. 
This account was deleted XX/XX/XXXX on one credit bureau file, I believe, if not all credit bureau files. 

I live in XXXX, Oklahoma. 

The collection agency is in Minnesota. 

At one time, I believed this account was a XXXX XXXX XXXX XXXX XXXX XXXX collection account, the credit report only stated Utility or something XXXX, Oklahoma, where I have resided, basically, for fifty eight years, uses a customers Deposit on file with the City of XXXX towards any unpaid water, sewer, trash bill, which leaves a XXXX balance owed XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, with no water trash, or sewer service restoration until a new deposit is paid. 

The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX charges, usually, a XXXX XXXX dollar deposit for water, sewer, trash service. 

A new deposit is required to restore service after a city watercan is removed for unpaid water services. 

Water, sewer, trash service in XXXX, Oklahoma averages XXXX dollars per month, per household. 

The amount IC System Inc is reporting to the credit bureaus equal over six months of unpaid water, sewer and trash service.

I find the amount IC System Inc is reporting to the credit bureaus, as exorbidant. 

I find it very difficult to pay an out of state collection agency, in XXXX XXXX, Minnesota collection agency, for an Oklahoma water, sewer, trash account. 

This may be a scam collection agency. 

The XXXX XXXX  XXXX XXXX XXXX XXXX XXXX of Oklahoma, does not usually, Sell a delinquent water, sewer, trash collection account to an out of state collection agency named IC System Inc, in Minnesota, such as this collection agency.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a citi gold account in XX/XX/2019 and I have referred 18 people to open the checking account. For each referral, I was told I will get {$200.00} bonus. So far I only received 17 bonus and I am missing another {$200.00}. The banker has confirmed I would receive 18 bonus back in XXXX Last month, I have contacted the banker who opened the account for me but no response so far. Below is the banker 's info : XXXX XXXX, Personal Banker NMLS # XXXX Citibank XXXX Branch XXXX XXXX XXXX XXXX  XXXX, NY XXXX Tel : XXXX Fax : XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX  ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX  ACCT : unknown AMT : {$96.00} XXXXXXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT :  {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX  ACCT : unknown AMT : {$250.00} XXXX XXXX  ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 2020

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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ALLIED INERSTATE LLC ACCT. XXXX has sent a debt collection letter that I do not recognize. I am disputing this under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ALLIED INERSTATE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ALLIED INERSTATE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ALLIED INERSTATE LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ALLIED INERSTATE LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ALLIED INERSTATE LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Equifax/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of unauthorized transactions. All of the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT : {$380.00} XXXX XXXX XXXX ACCT : unknown AMT : {$440.00} XXXX XXXX  ACCT : unknown AMT : {$240.00} XXXX XXXX  ACCT : unknown AMT : {$280.00} XXXX XXXX ACCT : unknown AMT : {$220.00} XXXX XXXX ACCT : unknown AMT : {$96.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX   ACCT : unknown AMT : {$140.00} XXXX XXXX  ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$140.00} XXXX XXXX ACCT : unknown AMT : {$200.00} XXXX XXXX ACCT : unknown AMT : {$270.00} XXXX XXXX ACCT : unknown AMT : {$250.00} XXXX XXXX  ACCT : unknown AMT : {$170.00} I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation