vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ACIMA CREDIT, LLC
State: AR

Complaint narrative:
In coordinates with the fair credit report act XXXX  account name : Acima XXXX XXXX XXXX account number # XXXX has violated my rights 15 U.S.Cs 1681 section 602 A. States I have the right to privacy 15 U.S.Cs 1681 section 604 A. Section 2 states a consumer reporting agency can not furnish a account with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
After a long credit/debt relationship, hardship came and forbearance request granted but then cancelled by " creditor '' without consent of " creditee. '' Account was sent to collections. Debt validation request sent by " creditee '' XX/XX/XXXX which was denied by BOA and remains unanswered. " Creditee '' has not heard from nor had any communications from " creditor '' since sending validation request letter. 

On XX/XX/XXXX " creditee '' received a summons complaint, being made defendant on account stated complaint. " Creditee '' still awaits proof of original consideration, loss, as paid from claimant, " creditor '' accounting.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX  XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-07-17 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: MN

Complaint narrative:
The following accounts and credit inquiries currently listed on my Equifax, XXXX, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Just horrendous customer service from my NFL Visa Credit Card. First the bank was XXXX and now it's Comenity. The bank change occured in XXXX or XX/XX/2022, the transition wasn't smooth. I just had a question on an XXXX statement but Comenity couldn't access it. So now I have XXXX on the line and their customer service can't help me. They said call back on Monday for the XXXX credit card department. I was told the credit card department can view my actual statement... not customer service. Back in XXXX prior to the change to Comenity, XXXX customer service was horrible then. I had to call three times to get a problem fixed. Spent at least an hour of my time. They charged me interest when it should've been zero interest for 6 months. Then I contacted them three times via the online service ( as I dreaded calling them ) for another issue... I believe this occurred in XXXX. My statement didn't reflect the accurate balance. They cheated me out of like {$20.00}. There should be transcripts of this complaint since it was online. Then around XXXX I couldn't view my online statements for a few months so I had them mailed to me. I'm sure I have a few other complaints that I can't think of. Please help. Maybe you guys can have the NFL send out surveys to all of their credit card holders to see they're satisfaction rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I sent Experian a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-17 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: CA

Complaint narrative:
Many many time I called Experian about few error on My Credit Report I explain to them with Phone, Online Dispute and letter, they starting for dispute and aggrege on my Explanation but unfortunately after few day on dispute every back and noting change this is all I had Disputed : 1 ) XXXX Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I reported this is fraud identity and never apply this credit card 2 ) XXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) I reported this is fraud identity this is for my ex-wife who used my information and keep stay there for few month more 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I reported wrong because I paid everything on my insurance car after change my insurance to XXXX but still they charge me under Law as soon as change your insurance automatically on system shows when I change my insurance but they said No you have to call us to cancel your insurance 4 ) XXXX XXXX  this is Car loan They repossession my car XXXX XXXX dont send me any letter to inform me they want sale the car after 40 days they sold the car I called them to pay my payment and they said already sold it Under California Law Bank should to give me notice to inform me they want sale the car after that notice they have to wait 60 days to sale the car but they didnt and absolutely this is a illegals ' 5 ) XXXX XXXX  account # XXXX I reported many many time this credit is Business credit and open it under S Corporation and its not my responsibility to pay that

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These companies unfairly and illegally place incorrect items below on my credit report. 
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

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These companies unfairly and illegally place incorrect items below on my credit report. 
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

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 2022-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, on XX/XX/XXXX I deposited my retirement check into citibank ATM machine around XXXX, desperately needing my money to pay past bills in the amount of {$9900.00} ATM id # XXXX, united states treasury check. Then following Thursday it was clear, so I started paying lots of my bills including my rent, around the six bill I was paying with my debit card, I started having problems paying. So I tried going online like I do it was shut down, so I called citibank they told me government check was being investigated for fraudulent looking, lol, unbelievable so they said they had to close my acct and in 45 to 60 days they would send me a check under there company name.

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 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: MN

Complaint narrative:
The following accounts and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX  {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-17 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: MN

Complaint narrative:
The following accounts and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX, {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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

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 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2022-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I have been receiving phone calls from Messerli & Kramer PA XXXX XXXX XXXX for a debt from XXXX XXXXXXXX XXXX XXXXXXXX, for {$2000.00}. Reference Number : XXXX. The debt is not my debt. The debt is the result of identity theft. Messerli & Kramer PA XXXXebt Collection Representatives have been harassing me, using profane and abusive language against me, threatening to have me arrested, put in jail and sent to prison for the debt owed, and using threats of XXXX XXXX XXXX for a debt thats not my debt and is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I received a call from Capital one that a person tried to open a credit card in my name at at XXXX 's in XXXX NY and was denied. I live in DE and never applied for a credit card at all.

Company response to consumer: Closed with explanation