vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 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: MI

Complaint narrative:
On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ARS would verify the debt. So I took it upon myself to ask ARS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX I contacted National Credit Systems , Inc . I explained to them that my information was incorrect and that I had already taken care of this through the original client. It seems that they had the incorrect information regarding my insurance. I was on XXXX XXXX and XXXX at the time services were rendered. I also asked for original documents to be sent to me regarding this matter. I was told they would be mailed out and I was told they would give me a call back after investigating. I have yet to receive the documents and I have yet to receive a call back! 
I contacted National Credit Systems again today XXXX regarding this matter once again only to be told that the will send me an itemized bill of the charges. 
Well I should have been sent that before this was ever placed on my credit! I should have received that when I called two months ago and requested it! 
I am needing the company to delete this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: PA

Complaint narrative:
Hi I am XXXX XXXX with SSN # XXXX. On XX/XX/2021 i sent you a letter regarding inaccurate info on my report but its been a month now, i still get no response from you, i know fcra requires you to respond w/in 30 days but it seems your not taking it seriously for i am sure you recieved my letters. now If you check my report thoroughly you will see a lot of inaccuracies there so I please fix your errors because its affecting me a lot. I will be waiting for your response.

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 2021-09-01 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: PA

Complaint narrative:
Hi I am XXXX XXXX with SSN # XXXX. On XX/XX/2021 i sent you a letter regarding inaccurate info on my report but its been a month now, i still get no response from you, i know fcra requires you to respond w/in 30 days but it seems your not taking it seriously for i am sure you recieved my letters. now If you check my report thoroughly you will see a lot of inaccuracies there so I please fix your errors because its affecting me a lot. I will be waiting for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am receiving numerous calls to my employer and the number they are calling is to my department head. He has asked numerous times to stop calling but calls are still made. They are calling my cell phone demanding that I verify myself with my personal information and when asked who they are they are rude or hang up. They are being very threatening to myself and supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have called equifax numerous times and they have yet to remove these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: CA

Complaint narrative:
I am XXXX XXXX and i am submitting this complaint myself and there is no 3rd party involved. I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report I will list the items below.

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 2021-09-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX XXXX {$110.00}, XXXX XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX XXXX {$8500.00}, XXXX XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}. Each of these accounts are on my credit report. I have not applied for any of these accounts listed on this statement. I have spoke with an creditor for each of these accounts. Nothing has been done, I also have another unauthorized account on my report, the creditor name is unknown XXXX XXXX {$5900.00}. I have never used any of these accounts.I have never applied for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC
State: PA

Complaint narrative:
I had a previous account with XXXX XXXX from XX/XX/2013 on which the statue of limitations has exceeded the time frame .I have Received several harassing calls from Midwest fidelity debit collection company XXXX. I spoke with a rep there and ask them shouldnt they have notified the consumer when purchasing a debit with 5 business days they stated yes .I also told them I never received a debit validation letter. They continually to harass me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: AR

Complaint narrative:
Joseph mann & creed collection agency is sending me harassing letters saying I owe them ..I do not know this creditor nor do I owe the.? .I am a 4 times fraud victim..I do not owe this company they need to show me my original contract and they will see its not me nor my hand written

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01 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: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX XXXX which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
i was reviewing my credit reports for emplyment verification, credit denied fora essential product car for replacement transportation lost in car accident in XX/XX/XXXX and as a survivor of declared disasters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and noticed that Comenity Bank XXXX XXXX falsely reported inaccurate information to my three credits reports agency, in the monthly terms covered by the CARES ACT AND following BILLs of the declared disasters and national emergency crisis, where mandated that missed payments should not be reported and no late fees charges applies. i was severe affected by XXXX, XXXX and their disruption that caused me lost all of my incomes, all my rights violations, lost of my employments, and future contracts, abuses behaviors against me, car accident with property loss, two involuntarily relocations, credit discrimination, housing discrimination, source of income discrimination, and victim of misleading and predatory acts of Banking Institutions such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Landlords XXXX XXXX & XXXX XXXX XXXX, falsely accusations from XXXX XXXX, XXXX XXXX and XXXX XXXX immediately neighbors and relatives of the Landlords of my home for 5 years from XX/XX/XXXX to XX/XX/XXXX that acted against my right to work, my privacy and intimacy and my right to self defense and defense of my home, myown safety and other rights violations that caused me a lot of damages and losses of my patrimony and effort for 23 years at that time, and lost of my belongings with the only purpose to steal my home property and the mortgage payment made for approximately {$150000.00} plus the payment of more than {$250000.00} in property repairs and replacement through the five years under abuses and stalked conduct from the neighbors to intimidated me to leave the property. I did not owed the inaccurate amount reported from XXXX XXXX, they under the cares acts and bills those charges do not proceed. i request an immediate fix of the inaccurate information reported it was affected me in my employment and credit verification and i have the right to privacy cover under the constitution, i was a survivor of the disasters and i was severely affected, i did not received any aid or sba help during XXXX and XXXX, neither under XXXX received nothing from sba they denied me the aids and the loans due to credit report and it is unequal treatment, and credit discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CAINE & WEINER would verify the debt. So I took it upon myself to ask CAINE & WEINER for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I booked a cruise on XXXX cruise line on a Barclay 's XXXX card. The cruise was paid off in the winter of 2019 pre covid. The cruise ( a transatlantic cruise ) was cancelled by XXXX due to covid and the cruise was moved to the XXXX transatlantic cruise, which was also cancelled. At this time I have requested and received a refund from XXXX XXXX line for the cruise. Unfortunately, they returned the money to the card that I purchased the cruise on - my now closed ( due to awful customer service ) Barclay 's card. Although XXXX processed the refund and I verified it, I can not find anyone at Barclays to help me get my money back. I've called at least half a dozen times just today to either be hung up on or put on terminal hold. They are sitting on money that is mine, and I can not find a single person who can help me get it returned.

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 2021-09-01 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had multiple charges from the same company occur on my credit card billing statements. The company is XXXX XXXX which I have never used in the past. The charges are for different amounts and theres one almost every month. Bank of America only shows two different claims although Ive called at least six times, for multiple different charges. All the other charges have been deemed as fraud, until the last charge. They are stating because Ive had other charges from XXXX XXXX that they will not consider this fraud even though the past charges from XXXX were considered fraud. I finally had to close down this credit card because the amount of fraudulent charges.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file with Equifax for a delinquent account with an unpaid balance of {$310.00} reported by XXXX XXXX XXXX XXXX ( account number XXXX ) which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. Equifax and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: GA

Complaint narrative:
I received a robo call from a company I have never heard of. 
Here is the voicemail " Federal law designate this matter as a confidential notice for wrong name. If this is not wrong name please hang up now. If this is wrong name please continue listening to this message you not listen to this message where others can hear as it contains confidential information. There will now be a three second pause. Hello. Unfortunately we've received a notice on your file. It is now Wednesday XX/XX/XXXX and your file has reached our office. Due to your failure to respond we do need to know what was done intentionally or was it was an oversight. I think if you communicate. We are open until XXXX XXXX  today. The phone number is XXXX .... '' In the voicemail mail the automated voice changed 4 times. They also listed an account number and to go to a website to make a payment. 
I do not have any outstanding debts to start with. I have not recieved any notification of this debt besides the phone call. This company should not be calling and after research I found this company is a scam. 
I have been on the Do Not Call registry since XX/XX/2003.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was notified by my credit watchdog service that there are two FRAUDULENT hard credit card inquiries on my Transunion Credit Report. 
I contacted Transunion requesting information regarding the inquiries due to the fact that their website is unavailable for a week thus cant get my credit report!!! 

Their offshore customer support is pretty much useless! 
He kept referring me to the website again and again no matter how many times I repeated myself : " Your website does not work, I can't get 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 non-monetary relief
Consumer complaint received 2021-09-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just need to temporarily un-freeze my credit report for a credit check. I can not get through to them on line or via telephone. On line refers me to the phone and the phone gets into a XXXX XXXX  that eventually stymies the caller with an obscure question that requires research. I have filed a complaint with them but they have not responded beyond giving me a complaint number. It is enormously frustrating and I don't know what to do. I have very good credit but people won't know from Equifax. 
How can it be that a private company, having been breached, then spends years penalizing the very people they screwed in the first place?

Company response to consumer: Closed with explanation