vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
ONCE AGAIN! XXXX IS FALSELY REPRTING 2 XXXX XXXX XXXX ACCOUNTS AND COMENTY BANK XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Received collection notification from Calvary Portfolio. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for XXXX XXXX  / XXXX. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm unable to access my Equifax credit report online because the 4 identity verification questions that Equifax asks me are always incorrect. The correct answer for each of the 4 questions is " None of the above, '' but the website tells me that the answers are incorrect. The questions are about loans that I've never heard of. I've tried at least ten times over the past 6 months to access my file online but the random " identity verification '' questions are always ridiculous nonsense that has nothing to do with me or my credit file. I can only request my report in writing from Equifax with 2 forms of ID every time. I think either their " identity verification '' system is completely broken, or the data is mixed up with someone else 's information. I've contacted Equifax customer support numerous times but they say there's nothing they can do about it. I've tried using XXXX and equifax.com directly, but the same problem happens. I've written a letter to Equifax customer relations but did not get a response. I haven't had any problem whatsoever accessing my credit reports from XXXX, XXXX, or XXXX online -- just Equifax. I XXXX " equifax identity verification questions wrong '' and there seems to be thousands of other consumers with this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Real Time Group, Inc.
State: NC

Complaint narrative:
This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Riverwalk Financial Corporation
State: NC

Complaint narrative:
This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX  and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I XXXX XXXX do not owe XXXX XXXX XXXX. Reporting on my credit report as being closed in XX/XX/XXXX I did not use XXXX dollars I am disputing because I requested this account to be closed XX/XX/XXXX and they failed to do so. The account is with collections agency XXXX and this is the correspondence I sent to them. On XXXX XXXX. 

To whom it may concern : I XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX Reference XXXX XXXX # XXXX I am writing to dispute the account referenced above. I have disputed this account information prior to today which is XX/XX/XXXX inaccurate with you and you have returned correspondence to me and stated you were able to verify these debts. How is this possible? Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and have been unable to get them to verify the information that they are reporting to you, they have not even verified that these are indeed my debts. 

This debt is not mine and I was given no evidence of my obligation to pay these debts to this creditor. I would like proof and not a computer generated print out. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

I request that you send me a copy of my updated credit report showing the elimination of the items mentioned above. This copy must be provided free, according to 15 USC section 1681j. 

If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights under 15 USC section 1681o of the Fair Credit Reporting Act, Civil liability for willful noncompliance. You credit may be liable for : 1 ) Any actual damages I sustain by your failure to delete the items 2 ) Defamation 3 ) Violation of the Fair Credit Reporting Act 4 ) punitive damages as the court may allow 5 ) costs of the court action, plus attorneys fees Best regards, 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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Received collection notification from XXXX XXXX. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for Sycrony Bank / Paypal. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.

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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
I sent two letters to the company asking for verification of a debt but got no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX  XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX   {$2200.00} XXXX {$2200.00} XXXX XXXX {$300.00}

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 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/18, I opened a Sears card and charged XXXX to it. I never received my card or any statements. I went to my local Sears the end of XXXX to pay my card off, and there was no account under my social security number. Then in XXXX, I got a notice from a collection agency stating I owed {$2600.00}. I called them right away and told them I never got my card and I believe somebody was using it since I didn't charge that much. The collection agency launched an investigation. Again, I went up to Sears to pay and they had no account under my social security number. I called the collection agency back to pay and they no longer had my account as they launched the investigation. Finally the end of XX/XX/2018, I was able to pay my debt in full ( {$2100.00} ) but now I discovered that my credit score took a major hit for this. If Sears would have sent me a statement or let me pay at the store, it would have been paid sooner. But since they went through a collection agency, they ruined my credit even though I paid in full right away.

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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Sent two letters asking for verification of two debts listed on my credit report. No response was recieved from either letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I did a stupid thing I admit. I met a guy online and he persuaded me to give him my credit card and bank information. He said he would take care of everything. He deposited a fraudulent check into my bank account. He also made payments on the credit cards using bank accounts, I believe they are fake or other individuals bank information. I do not want to be accused of stealing. I seriously regret what I did and through this I am learning from it. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Sent two letters each to the company to verify two debts. None of the letters were replied too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Wrote two letters asking for verification of the debt with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I'm filing a complaint due to the fact that citi bank account XXXX has some major FCRA violation 's you closed this account on XXXX XX/XX/2019 per the FCRA & the FDACPA there should not be any monthly payment listed on a closed account this is a violation also per the FCRA 623 / FDACPA 806 B You must enter consumer dispute marks on the account this account can not report. I have disputed this with all three of the reporting agencies but they said that you verified it as reporting correctly I have pending Litigation on Two of them as we speak. Please delete this account asap. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: PA

Complaint narrative:
PROFESSIONAL CREDIT SERVICE # XXXX* XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX ( XXXX ) XXXX I disputed the above named company for reporting that I owed them {$94.00} dollars. I spoke to this company via phone in XX/XX/2019, and asked them to identify me as the person who opened a telephone account with their company. The above named company could not provide me with a social security number that I provided them with to positively indentify me as the person who had a phone account with their company. 

Moreover : 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 
7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: MO

Complaint narrative:
On XX/XX/2019 I transferred my debt to Commerce Bank and wasn't told about interest on purchases. Then i made purchased varies in dates and found the first interest charge. Well I kept calling to find out how much I needed to pay to have the interest to stop. I kept paying what i was told and still being charged interest. On XX/XX/19 I  finally asked to speak with manager and the guy said he couldn't tell me anything other than that i still needed to pay XXXX dollars. He couldn't tell me how much more i needed to pay to get it to stop. So some of my payment went to the purchases and the balance. So I am being robbed. I asked for the XXXX interest charge to be removed if i paid the amount that day and the lady on XX/XX/XXXX submitted it. The manager said it got denied because it wasn't a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts Nordstroms {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX  {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. 
Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXXXXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX   {$300.00}

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