vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$4400.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$880.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX  XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: FL

Complaint narrative:
Someone has Stolen My Identity to Open These fraudulent Accounts I cant Believe that this Has Happen to me Please Help me resolve This Situation.

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 2020-06-12 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: FL

Complaint narrative:
Someone has Stolen My Identity to Open These fraudulent Accounts I cant Believe that this Has Happen to me Please Help me resolve This Situation.

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 2020-06-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX {$800.00} XXXX {$400.00} XXXX {$660.00} XXXX {$2200.00} XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: GA

Complaint narrative:
Official complaint was sent to Bank of America about an international credit card transaction in the amount of XXXX from XXXX XXXX XXXX  XXXX. I asked BOA to reverse the charge because the merchandise was returned back to the store after I had the product appraised by an independent third-party appraiser and learned the merchandise was not represented as described. It was 2 bracelets that were sold as diamonds but appraisal showed they were not diamonds. Upon returning to the store, the merchant accepted the merchandise but stated they could not give credit back due to a 'no return/exchange policy '. This was not disclosed at the time of sale. I advised merchant that I would dispute the transaction so they refuse to give back the merchandise and refuse to reverse the transaction. 
I entered into a dispute with Bank of America. Per Visa Conditions XXXX-the merchant cancelled the transaction when they accepted the product and refused to give it back. Per Visa Condition XXXX -the merchandise was not sold as described. Per Condition XXXX & XXXX the merchandise was identified as counterfeit by a neutral third party expert and therefore misrepresented. Visa conditions clearly states the merchant 's must keep in mind their return policy has no bearing on disputes under these conditions. Bank of America sent the dispute to the acquirer and ask the merchant for a receipt. Merchant provided the wrong receipt. BOA then ask me for the receipt. I provided correct receipt. 
BOA refused to honor the claim after obtaining my receipt stating they are honoring the merchant 's no return policy. I escalated as a complaint. BOA still refused to honor a full return -instead said they would only provide partial credit of XXXX which would be reported as a write-off. BOA sent a notice to indicate the XXXX would be a write off and must be claimed as income. With full awareness of all VISA conditions, BOA refuse to give full credit. BOA representative stated they understood the entire situation but stated, although unfortunate, I would have to accept partial responsibility. I am requesting full credit as a dispute and not a write off as the merchant canceled the transaction when they refuse to give back the merchandise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX {$2500.00} XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: MO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2020-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I paid a bill for a purchase made at a XXXX store on a credit card issued by Comenity Bank. The payment was due on XX/XX/2019 and I mailed a check in the amount of {$28.00} for the full amount of the purchase to Comenity bank on XX/XX/2019. The check was made for the full amount of the bill. On the following month I received a bill in the amount of {$28.00} for a late payment fee. I called Comenity Bank and explained that the check was mailed in time and that they should not charge me a late fee. I agreed to pay a reduced late fee of {$11.00} even though I explained to them that the check was mailed on XX/XX/XXXX, that they should have noted the posting date on the mailed envelope, and that they should have marked the payment received prior to the due date irrespectively of when then received it. I paid the {$11.00} late fee on XX/XX/XXXX which was the due date on their bill. The following month Comenity sent me another bill for a late fee of {$30.00}. I called them again to tell them that I would not pay their late fee because it was paid electronically on the due date. They would not accommodate me. I cancelled the card and told them again that I would not pay another late fee on a late fee that I should not have received in the first place. Since then they have been billing me a late fee on a monthly basis and now I have a bill in the amount of {$270.00}. They have been harassing me, sometimes calling me as early as XXXX on weekends. They have damage my credit report that was at XXXX points with only one late payment in 10 years. I called Comenity again and told them that I would not pay the late fees and they propose to reduce the bill to {$130.00}. I told them, no thank you, and that if they didn't cancel all of my late fees I would report them to CFPB. The Comenity Bank representative did not seem to be concerned with my threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bristlecone, Inc.
State: CA

Complaint narrative:
I spoke with a representive from one road lending who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to XXXX XXXX  who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX One road lending XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After installing the XXXX  XXXX app my credit reporting was unlocked. The only way to relive it was to subscribe to their service. I tried calling and their IVR hung up after playing a long message. I sent an email and am waiting for a response. This seems like bait and switch or fraud.

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 2020-06-12 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: MO

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-12 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: MO

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-06-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: LA

Complaint narrative:
Deville Asset management is reporting on my report in the amount of XXXX XXXX I assume its for another company but i have never received a dunning letter in regards to the debt or why they are on my report. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt. I only noticed them on my report from pulling it a while ago and then they were gone but now they are back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: TX

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$3300.00} XXXX XXXX {$710.00} XXXX  XXXX {$410.00} XXXX  XXXX {$1500.00} XXXX {$500.00} XXXXBANKRUPTCYDISCHARGED 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 2020-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CashMax LLC
State: TX

Complaint narrative:
Company was sent a letter to revoke ACH/Debit card transaction. They created a check an submitted it to my bank without my authorization.

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 2020-06-12 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX {$800.00} XXXX {$400.00} XXXX {$660.00} XXXX {$2200.00} XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I spoke with a representive from XXXX XXXX XXXX  who tinted my windows for about {$400.00} dollars and made me apply for a loan for {$2000.00}. 

I was let on payments and they sent my account to Monterey financial who is charging $ XXXX plus for debt collection. 

XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Monetary financials

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: AR

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: MI

Complaint narrative:
I have a cash app account thats has my legal money

Company response to consumer: Closed with explanation