vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: IN

Complaint narrative:
I have no knowledge of an account appearing on my XXXX credit report. Citibank XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.

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 2022-01-21 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: TN

Complaint narrative:
" The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: WI

Complaint narrative:
I have tried to reach out directly and to the bureaus and they have not helped me with anything please see letter attached.

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 2022-01-21 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: WI

Complaint narrative:
See letter attached I have reached out both to the companies and the bureaus and they have not helped.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have requested information from Hunter Warfield in regards to the allegation that I owe a debt. Hunter Warfield alleges that they are providing a service for their alleged client. However they refused to provide any documentation that proves they have any legal right to collect on this alleged debt. I am again requesting a copy of the contract that states such information as per federal law. Hunter Warfield states they sent initial communication to allegedly verify the alleged debt was sent XX/XX/2021. This statement from Hunter Warfield is false. Hunter Warfield alleges that XXXX XXXX referred this account to Hunter Warfield. To simply look at alleged documents is not a means of validating any debt. I am a federally protected consumer and my rights are being violated. I DEMAND Hunter Warfield provide proof with out redaction that they in fact have a legal grounds to collect on this false and clearly alleged debt that I do not owe. A cease and desist has also been sent to Hunter Warfield and they have continued to contact me via phone. They totally disregard federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: Audit & Adjustment Co. Inc.
State: OR

Complaint narrative:
AUDIT & ADJUSTMENT INC. services is reporting inaccurate information to the credit bureaus regarding my credit report without giving me any validation or sufficient information regarding the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
HI CREDIT COLLECTION SERVIC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: IN

Complaint narrative:
I have no knowledge of an account appearing on my Equifax credit report. XXXX XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple disputes in 2021 about this collection account on my credit report from Equifax. I have never had an account with XXXX XXXX so i do not know why it is reporting. I have asked numerous time for it to be removed to to how documentation or verification that it belongs to me. Each time Equifax keeps responding saying the account is mine but will not tell me how it was verified. They have not sent me a method of verification to this day! 
the account is : XXXX XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/21, I contacted Chase customer service to inquire about paying off the balance of my card # XXXX ( Southwest card ). The Customer Service Representative ( CSR ) XXXX notified me that the total pay off balance was {$10000.00}. My records reflected the same amount owed to bring my balance to XXXX. A check ( ck # XXXX ) for the entire payoff was mailed to Chase on XX/XX/21, prior to my due. My bank records show the check was paid on XX/XX/21. Shortly after paying the balance, I decided to close the credit card due to being charged an annual fee to have the Southwest Chase credit card, I spoke with XXXX XXXX. After paying the balance in full to XXXX and closing the credit card account I received a correspondent and credit card statement from Chase, that I would need to pay additional fees/interest. As previously stated, I confirmed with the Chase representative the full balance owed before submitting the payment and closing the account. Therefore, the correspondent was not in line with what the customer service representative had previously communicated to me. I paid the account in full based on my communication with Chases representative and my records, including a check. If Chase wanted to dispute the payoff that should have been done prior to my making the full payment and closing the credit card. The representative never communicated that an additional charge, fee or interest would be reflected, therefore any erroneous fees and or interest that Chase is attempting to collect is unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
I have tried to reach out to the company and the bureaus with no luck please revise and send

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Im not sure who this company is ( XXXX XXXX XXXX XXXX XXXX  ) but on XX/XX/2022 I had an hard inquiry on my credit report showing a collection balance of {$280.00} from XXXX XXXX XXXX I havent done no business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, TransUnion, and XXXX. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.

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 2022-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent in a request for verification on the account : Snap On Credit Account Number : XXXX No verification documents were sent. 
On XX/XX/2021 I disputed the date of last active on XXXX, XXXX, and Equifax. Again, no documentation was provided nor was a comment added on to my report stating this account was disputed. 
On XX/XX/2021, i sent another dispute letter stating i still had not recieved verification also they have not updated the comments stating i have been disputing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: FL

Complaint narrative:
Hello, I want to thank you for helping the public. You are a great help. 
This is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but these did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I appreciate you helping me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CBC Companies, Inc.
State: CA

Complaint narrative:
The reason for my complaint is because innovis is reporting an account that's MISSING PAYMENT HISTORY the account is XXXX XXXX XXXX XXXX # XXXX. According to FCRA if an account is reporting INCOMPLETE, INACCURATE or unverified information it must be deleted. Attach to this I am providing you with a copy of my credit report page where it shows the violation also I am providing you with copy of my ID and SS card to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX Wells Fargo reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore Wells Fargo should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, Wells Fargo has violated the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX 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 2022-01-21 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Signed up Citibank Executive Mastercard and was promised XXXX miles if I spent {$5000.00} in the first three months. I met this requirement and the bonus miles were never deposited into my account. I have had six online chats with support agents and several promised the miles would be in my account in the next billing cycle, which never happens. I have also been hung up on several times when the agent panics and does not know what to do. 
I was eventually given an email address ( citi application offer issues ) to complain to and was told I would get a response in no more than 10 days. No one ever replied to my email.

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 2022-01-21 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 — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX  XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I wrote to Chase disputing a {$120.00} charge that was posted on XX/XX/XXXX, described as 'ONLINE PURCHASE XXXX '. Neither my wife nor I purchased anything from a source in XXXX, which is the capital city of XXXX ( XXXX ). In trying to resolve this dispute with Chase, I have been bounced back and forth on phone calls where the dispute department claimed it was a fraud and transferred me to the fraud department, which said it was a dispute issue and transferred me back to the dispute department. Then I got a letter from Chase asking me to fill out a form that I had previously filled out, regarding my dispute. I wrote back to Chase on XX/XX/XXXX, stating that I was tired of getting the runaround and unless Chase could show that the {$120.00} charge was valid, I expected them to remove it, as requested in my original dispute letter. Instead, I today received a letter from Chase dated XX/XX/XXXX, stating that Chase found no evidence of a billing error and was therefore reinstating the charge! I'm not even sure they even removed it, but it's clear to me that they are NOT acting in good faith and are basically taking the easy way out. The bottom line is that the charge was not made by either me or my wife, and the inability of Chase to even provide a phone number or address of whoever made the charge is proof that Chase is essentially avoiding any responsibility for a bogus charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX charged and wrote off my credit card in XXXX of XXXX. The account is currently closed and charged off on my credit report. Today, XXXX XXXX XXXX reported a late payment to the closed account. This is a violation of the FCRA as it pertains to accurate and factual information. This account has already been charged off therefore XXXX XXXX should not be reporting a payment history on a closed account that is no longer accepting monthly payments. By reporting a late payment to my public consumer credit file, XXXX XXXX has violated the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-01-21 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: MD

Complaint narrative:
I contacted bank America asking due to corn virus if could more time to pay and the department told I would allow to skip payment. it seem to me there was no communication between department and they reduces my to {$500.00} credit limit. upset greatly so told them close account. I had done business for over fifteen year

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