vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: DISCOVER BANK

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: FL

Complaint narrative:
I have sent more than 7 letters to Transunion LLC - XXXX and XXXX  notarized and even certified letters and they still don't see to resolve these issues, list of accounts are below, they don't even have proof or documentations these accounts belong to me : XXXX XXXX : XXXX The account type is incorrect, please delete. 

XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX/XXXX  : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The first date of delinquency is incorrect, please delete. 

XXXX : XXXX The account balance is incorrect, please delete. 

XXXX : XXXX The payment status is incorrect, please delete. 

XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXXXXXX XXXX : XXXX The account status is inaccurate, please delete. 

XXXX XXXX XXXX : XXXX The high balance reported is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX The account balance is incorrect, please delete.

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 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: American Elite Recovery, LLC
State: NC

Complaint narrative:
Company reached out trying to collect a 10 year phantom debt from XXXX XXXX saying I had little time to pay before legal action was taken. Got a call from a different person the next day from XXXX numbers saying they were from County of my residence and that they were sending cops to my workplace sense I wasnt going to pay. Company was spoofing caller ID as well. 

XXXX XXXX and XXXX XXXX were the two individuals I spoke to.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an XXXX. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a  {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-24 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: MO

Complaint narrative:
Equifax and XXXX  are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 8, 9, and 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Account Servicing, LLC
State: TX

Complaint narrative:
Hello, This communication is to file a complaint against of Universal Account Servicing , LLC debit collector who charged my debit card for 6 consecutive months in amount of {$66.00} ( total charge {$400.00} ) since XX/XX/XXXX till XX/XX/XXXX. 
Reason for a complain is to refund all charges back to XXXX XXXX due to Vendor ( XXXX XXXX XXXX XXXX XXXX XXXX has never provided services to me, closed my account and their business. 
I am attaching my account summary that is showing monthly charge on the account in addition to account #, holder name, business address with their contact information. 
I will greatly appreciate if you can help me to resolve this issue and to have Universal Account Servicing , LLC to refund all charges back to me as I never received serviced that I was charged for. 

Complaint against of : Universal Account Servicing , LLC XXXX XXXX XXXX XXXX  XXXX, MO XXXX Account # XXXX  Case # XXXX XXXX Phone : XXXX Manager name : XXXX Claimer information : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Unit XXXX XXXX, TX XXXX Claim amount : {$400.00} Thank you for your time and assistance! 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
this was a bill that went to collection that should have never been a bill in the first place, I had paid my phone completely off 2 months prior as well they told me they were resetting all the plans so I had to resign up for a whole new plan and as well decided to try telling me I had to re pay for the entire phone when it was paid off so I decided to cancel my plan and its been effecting my credit ever since. I want to resolve this issue do to wanting to fix my credit and this is starting to affect my credit score in a very negative way to the point that I would like if something can be done do to not having accurate detail of amount owed as well havnt heard from them at all in regards to the matter and would like to have some sort of info needed in order to get accurate info to exactly why its so high and see what I can do to get it appropriately taken care of and taken off of my scredit score as soon as possible.

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 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
In XX/XX/2019, a letter was submitted to Common Wealth Financial System requesting that they verify the debt ( account ) the company has failed to provide a sign contract as requested to validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: NC

Complaint narrative:
I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: AL

Complaint narrative:
i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I XXXX XXXX THIS IS NOT SUPPOSE TO BE ON MY CREDIT FILE THIS IS ALREADY PAID AND THEY ALSO TRIED TO MAKE ME DOUBLE PAY FOR THE SAME THING, ON XX/XX/2019 THEY HAVE ME OWING {$330.00} AND AGAIN ON XX/XX/2019 THEY HAVE ME OWING {$330.00} THE SAME PRICE BUT DIFFERENT DATES ANS YOU ALL CAN SEE THIS IS AN INACCURACY PLAIN AS DAY. THEN IT SAYS I OWE {$970.00} ON XX/XX/2019 ALL OF THIS IS NOT RIGHT THEY NEEDS TO SEND ME PROOF OR DELETE THIS IMMEDIATELY I DONT WANT NO PHONE CALL OR LETTERS SAYING THAT THEY INVESTIGATED IT I NEED TO SEE PROOF WITH MY SIGNATURE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: AL

Complaint narrative:
i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX  XXXX, XXXX/XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-24 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dispute Details Dispute Date : XX/XX/19 Dispute Amount : {$320.00} Dispute ID : XXXX Declaration I prepaid in full XXXX to merchant XXXX, then i disputed it since merchant are late to ship the item and i don't want it. The dispute was not success, citi told me they paid the merchant, merchant said they never receive money from me. Then nightmare begins. 

Citi has been doing months to resolve this dispute case, but never success. 
I tried so many times to contact the merchant-XXXX, they currently blocked my phone and any phone that called them to seek solution. They refused to do anything, claimed they did not receive money from me, refused to send me item, refused to give me refund, refused to provide any documentation. 
I even stopped by the stores when I was in XXXX 3 weeks ago and asked for help. However, they treated me in very impolitely manner and refused to provide any information regarding this transaction and asked me to talk to my bank, which is citi. They told me they did not receive money from my name at all. And since I was trying to dispute the money, they refuse to provide any assistance or service for me. 

I really need assistance from you to investigate into this case. I was charged, never refund, never receive the item. I need my money back.

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 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 to 13 of the attached credit report. This account reports a {$XXXX} balance and {XXXX} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-24 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: NC

Complaint narrative:
I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.

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 2019-05-24 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: NC

Complaint narrative:
I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.

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 2019-05-24 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: UT

Complaint narrative:
I have had repeated phone calls from this company that always calls several times a day everyday with an unknown caller id. I finally got their number which is XXXX. Called that number and it states it i Comenity Bank. I do not owe this back anything. If this is regarding a specific debt through another company they legally need to specify that. I have sent them numerous messages online and told them to not call me on my mobile several times. There are times when Im working and they dont respect that at work. They call on weekends as well. They have disconnected me. They have hung up on me. They are robo calling, dialer calling. I have a lot of proof of the phone calls with dates and times if needed. Thanks for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: NY

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 to 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation