vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: FC HoldCo LLC
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2018-10-03 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stanislaus Credit Control Service, Inc.
State: IL

Complaint narrative:
I have been trying to repair my credit. I have contacted this company for months, several times per week, at different times per day. I have left multiple voicemails on what sounds like an extremely unprofessional, unverifiable collection agency. I just want this removed from my credit report as I am trying to repair my credit and purchase a vehicle. I do not want to go through this agency to repay this debt as Im concerned by their negligence to help me solidify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: NY

Complaint narrative:
This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and experian and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.

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 2018-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2018-10-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX  and 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 2018-10-03 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: Alliant Capital Management LLC
State: TX

Complaint narrative:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.

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 2018-10-03 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: MI

Complaint narrative:
A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I don't have an account and don't know who this company is

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: NY

Complaint narrative:
This account has previously removed or block from my credit file, item has been determine fraudulent, a report with FTC had been file XX/XX/2018 and XXXX  and transunion had removed it but now are relisting it, this is illegal according to FCRA. 
Please remove this fraudulent item from my credit file. 

Thank you.

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 2018-10-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I don't have an account and don't know who this company is

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 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$450.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$650.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
This company ( Receivables Performance ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$290.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-10-03 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: CA

Complaint narrative:
As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, Equifax and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, Equifax, and XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: AES/PHEAA
State: GA

Complaint narrative:
I'm concerned about the certainty and consistency of your new assessment and then the overdue payments pertaining to this particular account and also how it is reporting on my credit report. About 45 days ago I requested an assessment basically because I noticed the item is not being documented recently. To my big surprise I got a letter telling that your evaluation was achieved and that the item had been " validated as reliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU COMMONWEALTH OR THE COMPANY XXXX OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2018, I added my PayPal business debit card to my XXXX   account. The card was incorrectly classified as a credit card and was subject to a 3 % fee for payments. 

The response from PayPal was, " I'm not sure why the Business Debit MasterCard is labeled as a credit card on XXXX. This card does not have any kind of credit line associated with it. '' However, the response from XXXX  by XXXX XXXX was unreasonable, " Based on the first 6 numbers of the card, Mastercard is classifying it as a credit card. We can not change this as we are not doing this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
I HAVE CONTACTED YOUR COMPANY ON MORE THAN ONE OCCASION ABOUT THE 8 ACCOUNTS THAT YOU CONTINUE TO HARRASS ME ABOUT. FIRST OFF HOW ARE YOU COLLECTING ON BEHALF OF ANOTHER COLLECTION COMPANY? ISNT THIS AGAINST THE LAW? SECOND I AM IN RECEIPT OF YOUR LETTER DATED XX/XX/2018 FOR ME TO DISPUTE THE VALIDITY OF THESE ACCOUNTS. WELL, THIS IS YOUR 4TH NOTICE AND LAST OR I WILL BE FORCED TO SUE IF YOU RE-INSERT THESE INTO MY CREDIT FILE. THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER DEALT WITH YOU XXXX OR THE COMPANY PENDRICK OR THE OTHER MEDICAL COMPANIES YOU REPRESENT. Furthermore, I HAVE NEVER GIVEN YOU AUTHORIZATION TO REVIEW ANY OF MY MEDICAL HISTORY OR FOR MY MEDICAL HISTORY TO BE GIVEN OUT SO HOW IN THE WORLD COULD YOU VALIDATE ANYTHING ABOUTME? EXACTLY YOU CANT BECAUSE it's NOT MINE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I enclose copies of my requests to the collection agency Portfolio Recovery Solutions asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to the three Credit bureaus. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires them to verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. There is a clear case of unverified debt here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
This company ( Sequium Asset Solutions ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$210.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation