vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine, and some of my accounts where reporting late payment history which are incorrect I sent your bureau multiple dispute letters in regards to the below accounts on XXXX, XXXX, XXXX, and XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {$450000.00} home purchase in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted and the other accounts are not amended. I would prefer this to be handled without any financial damages and litigation.

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 2020-03-13 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine, and some of my accounts where reporting late payment history which are incorrect I sent your bureau multiple dispute letters in regards to the below accounts on XXXX, XXXX, XXXX, and XXXX. To date, I have not received any investigative results reports for any of the above dispute letters which currently are all in violation of the FCRA bureau response deadline guideline. 

I had filed an Identity Theft report, refer to the attached POLICE REPORT. Please be advised I have a {$450000.00} home purchase in escrow pending but it will be cancelled by XXXX unless these accounts are not immediately deleted and the other accounts are not amended. I would prefer this to be handled without any financial damages and litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: PA

Complaint narrative:
This is an old XXXX bill that accrued in XXXX. LJ Ross refuses to even contact me regarding this fact. XXXX told me that they sold ALL my account information to LJ Ross Associates, so I know that LJ Ross has  the information and they are still showing this old amount on my credit reports. They will not acknowledge me and or my requests, demands, etc, regarding said matter. They are fraudulent and they know it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX XXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that 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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX  XXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that 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 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
The original lender XXXX XXXX- XXXX XXXX had closed the account on XX/XX/XXXX. Then sometime around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, on XX/XX/XXXX XXXX posted Account was 30 days past due then on XX/XX/XXXX he put the account in collections which posted a derogatory comment on my credit report. Ive stated multiple times I never had any contract or binding document with XXXX XXXX XXXX. I have no recollection of this account. XXXX XXXX continues to add derogatory events to my credit report violating The Fair Credit Reporting Act. The US Federal Government Legislation enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. FCRA provides protection against the misuse and misreporting of an individuals credit information. XXXX XXXX XXXX has made false reports against my credit report causing serious damage to my credit portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Monterey Financial Services LLC
State: HI

Complaint narrative:
I mistakenly purchased a XXXX timeshare with the contractual assurance signed by the sales person that I would get the full amount of my down payment. I found out in addition to the fact that the trade for other properties did not work as described, that the monies promised would not be forth coming. 
I was informed of this fact by both the internet postings and by the lawyer in XXXX that I emailed concerning this matter. 
Now I am being threatened to have my credit ruined by Monterey Financial in XXXX CA because the balance of {$9000.00} that is still owed on the timeshare has been reffered to them. 
I can share all of the details including documents with you if you like. I have sent these to the rep ( XXXX XXXX ) who is in contact with me. 
Any help you can offer to me or any communication you can make to them that this was a scam would be appreciated. 
Thanks, 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 2020-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX and I applied for an Amazon.com Commercial Account Paid in full via my online Business Account of XXXX XXXX XXXX XXXX   through Synchrony Bank.

The first application XXXX was denied stating that they were unable to verify my business name. I feel like someone in their underwriting department didn't properly research my business. If they had, they would have been able to verify that my Business is a legitimate business listed in the secretary of state of ga website, that I have a tax id number and valid accounts. 

I applied again, application ID is XXXX, and I was sent to another verification team at XXXX. She verified my information. She verbally told me that she was able to verify my business and that again, it had to go to another team. I called on XX/XX/XXXX around XXXX EST. I advised her that I would be filing a complaint because I do feel that Synchrony Bank has been discriminating against me, so I want this on record. 

With this complaint, I have included my Articles of Incorporation, My EIN letter from the IRS. My agency has been in existence since XXXX. I did finally incorporate last year. I also have a business checking account through XXXX XXXX XXXX. 

I can be reached at XXXX if someone would like to discuss this with me.

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 2020-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: SC

Complaint narrative:
I sent an amount of {$300.00} to XXXX on XXXX of XX/XX/2020, through Ria money but the person hasn't gotten it but shows that the recipient has received it, I called them but they are refusing to resolve the problem. I did the transfer into the recipient bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported an account on my credit report, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX XXXX Advantage account was locked then suspended with no specific reason. I attempted to reach out Citibank and XXXX XXXX  but no responses at all. 
My account was in good standing and had over XXXX miles. I am current an XXXX XXXX XXXX serving overseas. I don't have any means of getting back home to see my loved ones because XXXX/Citi decided to suspended my account without any explanation. 
my account 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 explanation
Consumer complaint received 2020-03-13 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is COMMON WEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... 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, XXXX XXXX XXXX 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 ) COMMON WEALTH FINANCIAL 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 COMMON WEALTH FINANCIAL 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 COMMON WEALTH FINANCIAL 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. COMMON WEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them 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 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems is reporting on my credit report debts I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debts, which is required by law before inputting a collection on my credit report. They have reported 5 different accounts on my credit report, without giving me the opportunity to  dispute. I'm suppose to have 30 days to dispute the validity of the debts and I check my credit report and see that they are reporting the collections on my report which is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: First Technology Federal Credit Union
State: OR

Complaint narrative:
First tech federal credit Union is reporting 2 charges totaling {$52.00}. We contacted them to report that was fraud and they said because we did not report within 60 days they can not remove the charge. I called in early XXXX and they said no balance remained and lied to me about the charges. I had them go back and listen to call and they are not acknowledging our conversation and did not record notes about our phone call. I believe they are hiding and trying to pass on the triad instead of closing the card. They are creating a moral hazard of my credit number being used without our permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them 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 2020-03-13 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: NV

Complaint narrative:
These are not my accounts. Please remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a Discover credit because they advertised the below information : " Annual Percentage Rate ( APR ) for Purchases 0 % intro APR for 14 months from date of account opening.

After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0 % intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by XX/XX/2020. 
After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. " After I received the card it said the 0 % intro APR is for " 6 months '' not " 14 months ''. I called and I was told it was " based on creditworthiness. '' I stated the advertisement does not say that it states " After the intro APR expires. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted 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 2020-03-13 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: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I created an account to monitor my credit and was surprised to see a collection on my credit profile that was updated to paid when it was to be deleted with payment. When this balance was addressed I was informed it would be removed from my credit with payment. With further research, I find that I should have been allowed a statutory period in which to dispute the validity of this debt since it was not my debt to pay. Due to the fact that I was not provided the option to validate the debt and the fact that I was advised it would be deleted from the credit bureaus with payment, I would like this collection removed from my credit due to erroneous, mdeceptive collection practices. 
Thank you XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: NV

Complaint narrative:
I sent certified mail to Transunion, XXXX? And XXXX  to provide information on XXXX XXXX, XXXX, XXXX  which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail

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 2020-03-13 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  XXXX  XXXX  {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items listed below are not deleted 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 non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent certified mail to XXXX, XXXX? And Equifax to provide information on XXXX XXXX, XXXX, XXXX which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I sent certified mail to XXXX, experian? And XXXX  to provide information on XXXX XXXX, XXXX, XXXX  which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail

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 2020-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Hey, I saw you were taking action against the Great Lakes Loans company. Though going to CCC, I've accrued a total of XXXX dollars I. Student loan Debt and PLUS loans. My PLUS loan payment on the REPAYE program is around 697 dollars, which is low compared to the previous cost of XXXX. I find these payments to be insane. I was wondering if my case could be submitted intl your lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation