vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
I had XXXX back in XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. I sent a certified letter twice to XXXX and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. I provided proof and it was removed from my credit. 

Fast forward, earlier this month, I received a collections letter from XXXX stating they are representing XXXX to collect a debt that I do not owe. I have contacted XXXX numerous of times in addition have contacted each collections company that they sell my account to. This company has requested that I provide a letter in writing in which I did but apparently they have not received it. They state that I must notify them within 30 days. I get a credit alert today which is NOT 30 days that this debt has been placed on my credit report. This XXXX debt does not belong to me nor has XXXX been able to provide me with a contract or anything to show that this was my phone number. I have the original contract and never changed my number. The other collections had to remove it from my credit because I have provided all documents as proof. In addition, XXXX must remove this too because this debt does NOT belong to me nor do I know who it belongs too. I am attaching proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NY

Complaint narrative:
Credit repair agency is reporting my XXXX account XXXX XXXX XXXX as still open with a balance. 
This account has been fully completely paid. 
I have proof as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
I am writing this complaint in response to another complaint filed XX/XX/2021,. Transunion had been reporong an old delinquent child support account From XXXX XXXX, past the statute of limitations because the credit bureau recieved the paperwork with the real XXXX, the bureau verified it is 7 yrs past statute removed the account, but the account is still appearing on my credit report, they are in violation of the fair credit reporting act, everytime I call i always get transferred to a supervisor or representative in XXXX in XXXX I'm XXXX getting sick of this bureau violating the FCRA, and not reporting correctly. If they do not remove this account like it says on my credit report I will sue the XXXX out of them, they are causing me XXXX XXXX reporting XXXX debt, even after I sent them evidence of the original first date of delinquency which was 8 years ago,

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 2021-10-28 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: TX

Complaint narrative:
FCRA Violations please add payment history XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Missing payment history for 1 year : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-28 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: TX

Complaint narrative:
FCRA Violations please add payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Missing payment history for 1 year : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX XXXX XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.

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 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
RMP Services LLC is reporting on my XXXX credit report that I owe them {$1000.00}, this was paid by another collection agency out of XXXX, Nebraska through XXXX XXXX XXXX over a year ago. I settled the account and amount with them and now this new collection agency is stating I owe them the whole amount of {$1000.00} and threatened to take me to court and get an attorney. I know medical bills are not by law suppose to be reported on your credit reports anymore. I did have XXXX and now in XXXX and have paid all my medicals off so I was very upset when I saw this on my credit report especially when they sent no letter to my previous address or the new one. I sent them two letters to request documentation asking for what this was for and date of service and all I got back was this generic letter. The letter I received back was ridiculous as I gave them all the information they are asking for in my original two letters. I have now sent a 3rd notice requesting the information again. I want this deleted off my credit report, its illegal as the federal trade commission law that passed in XX/XX/2020 so they are in violation of this Act. 

Thank you so much for helping resolve this matter, I am trying to purchase a home for my family and this is hindering me from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
TRANS UNION HAS DON NOTHING ABOUT XXXX XXXX FOR XXXX THIS IS NOT MY TRANSACTION.ALSO XXXX XXXX HAS ACLOSED ACOUNT ON MY CREDIT FOR XXXX THAT IS NOT MY ACCOUNT. I ALSO JUST HAD SOMEONE DO XXXX INQUIRIES ON MY CREDIT XXXX XX/XX/1921 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-10-28 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:
I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX and XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.

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 2021-10-28 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:
I went to get a small business loan with my credit union and the underwriter told me I was not able to be approved not because of my credit score but because there is some collections on my credit. I dont know how I have collections I pay all my bill before they are due. I went to home and looked at my credit and I see 3 accounts on there that is not mine XXXX XXXX. XXXX and XXXX XXXX. Im doing this by myself and I have also reached out to the FTC and the police here. I was told that you all can help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I placed a bill pay request with PNC bank to be sent to a credit union to pay off a loan. There was a specific amount required for the date selected. Their website shows " Check # XXXX from your CHECKING XXXX account was mailed to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. Funds for this payment will be withdrawn from your account when XXXXXXXX XXXX XXXX cashes the check. '' I check with the XXXX XXXX and that have no record of the transfer. I call PNC get hung up on 2 times and then was informed the money was not sent until today XX/XX/XXXX. I point out that was not what I ordered nor what their website stated and the loan payoff increases with each passing day. They customer service rep just kept saying it was not sent until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I wrote a validation of debt letter on XX/XX/XXXX it had been 60 days and I still haven't received a response for XXXX  or Equifax. They have violated my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened an American Express XXXX credit card on XX/XX/XXXX with a welcome bonus offer stipulating : [ I ] must charge {$5000.00} ( the " Threshold Amount '' ) of eligible purchases on the XXXX XXXX  from American Express within the first 6 months of Card Membership to earn the XXXX points starting from the date [ my ] account is approved. According to the chat feature with representative XXXX on XX/XX/XXXX, " [ I ] have time till XX/XX/XXXX '' to incur the minimum spending in order to receive the welcome bonus ( XXXX points ). 

According to a spend report generated through AmEx ( attached summary and individual purchase descriptions ), I spent {$5900.00} during the relevant period of time ; however, {$550.00} of this was the annual fee, which is an ineligible purchase. I have in writing that " Eligible purchases are purchases for goods and services minus returns and other credits and do NOT include : fees or interest charges ; purchases of travelers checks ; purchases or reloading of prepaid cards ; purchases of gift cards ; person-to-person payments ; or purchases of other cash equivalents. This applies to all of my card purchases except for the annual fee, so the result is {$5300.00} of eligible purchases in the first six months of membership. Yet nearly a year after opening my account, I have not received the welcome bonus.

Via the chat function, I inquired about my lack of bonus a few months after having met the minimum spend. A representative told me to wait a bit longer for it to post to my account, so I continued until XXXX or so. At that point, still not having received the welcome bonus, a representative manually computed themselves whether or not I had met the criteria : they affirmed that I had! They opened up an internal " investigation '' to amend the matter. A few weeks later after checking back multiple times, I was told rather brusquely that I had not met the required spending. Their investigation claimed I had spent only {$4200.00} in eligible purchases, but they refused to give any further details ( i.e. noting major purchases which were misunderstood as ineligible, etc. ) or anything to explain the > {$1100.00} discrepancy. They refused to re-open the investigation, release a list of purchases deemed ineligible, or give any sense of transparency to the determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX ). 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
There are 3 collections reporting on my credit that do no belong to me I have ID theft, I have sent numerous letters to the collection agency and the credit bureaus and they have not removed them. 
SEQ FIN SVCS/XXXX XXXX  XXXX XXXX XXXX XXXX ) COLL ( {$4300.00} ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) COLL ( {$440.00} ) XX/XX/XXXX XXXX XXXX SEQ FIN SVCS/XXXX XXXX XXXXXXXX XXXX ( XXXX ) COLL ( {$760.00} ) XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
XXXX lease was on hold in forbearance and the told me one date. Next thing I know I called them to check status and they said I t was late to make foulest payment. I made a payment for two months. They reported 7 days after I had made the payments to make it current.

I never was late! Always paid on time.

I want to dispute this in my credit.

I will dispute this until they make it right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Company has locked my account for no reason. The only checking account I have and they lock it. I just signed up for direct deposit with my job with this same account and now I wont be able to receive money for my labor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Good Evening, On XX/XX/2021 a check for XXXX was applied to my credit card. I became aware of this on XX/XX/2021 and I immediately contacted my bank and filed a claim. Unfortunately, the agent that I spoke with created two cases, one with an account number ending in XXXX which is not my account number and another for a total of XXXX ending in XXXX. As of XX/XX/2021 both cases were closed and I was left with a bill for XXXX and Bank of America provided me with no proof as to who could've committed this crime. They did however try to blame my husband who is the authorized user on my card. First of all, my husband would never write a check in order to receive money that we already have. Secondly, their is no way that he could've even done this due to the fact that we both work from home and he does n't drive, so I am his only means of transportation. Moreover after the denial from Bank of America I contacted XXXX and went ahead and filed a police report. XXXX was very helpful and provided me with guidance on how to move forward with filing my report. At this time, I am just waiting for Bank of America to re-review my case so that I can find out who actually did this. Furthermore, I did submit my police report to Bank of America along with a request for Identifying factors for the suspect. Lastly, this has been very troubling for me seeing as how this is my first time dealing with fraud in this way and to have your bank blame you is just so frustrating. 

Sincerely, XXXX XXXX XXXX XXXX CASE NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 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: KS

Complaint narrative:
*This is not a duplicate complaint. ** This is not a request for an investigation or reinvestigation. ***This is not a matter that is in need of verification or validation. I am the original creditor and do not verify or validate this. Experian is illegally and repeated posting information om my credit report that Congress deems to be illegal pursuant to 15 USC 1666b number a. It reads and stands as law as follows : A creditor may not treat a payment as late on a credit card account under and open ended consumer credit plan for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Therefore, this is illegally posted on my report and needs to be removed immediately. 

XXXX XX/XX/2021 acct XXXX 30 days late XXXX XX/XX/2021 acct XXXX 60 days late Please remove immediately. Thank you

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 2021-10-28 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: DISCOVER BANK
State: CA

Complaint narrative:
DISCOVER PERSONAL LOANS IS REPORTING FRAUDULENTLY ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation