vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 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: MO

Complaint narrative:
Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX {$6200.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. 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 2019-06-08 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: MO

Complaint narrative:
Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX XXXX   {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 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: MO

Complaint narrative:
Not sure when or how my identity was compromised but after reviewing my credit report I see very well it has due to these unauthorized accounts inwhich I'm asking to be removed from my credit report. 

[ 1 ] XXXX  XXXX {$1000.00} [ 2 ] XXXX XXXX XXXX [ 3 ] XXXX XXXX XXXX  XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Credit Reporting Acct # XXXX ( Rent Recovery Solutions ) XXXX XXXX XXXX/XXXX DOB : XX/XX/XXXX SSN:XXXX Dear Sir or Maam After careful review and legal counsel of my credit report/reports and conferences with the U.S and State Attoney General Offices informing them that I have never conducted any transactions with ( Rent Recovery Solutions LLC or their subsidized affiliated companies ) pursuant to the Texas Finance Codes : Chapter 392 or others codes Texas Property Code or Texas Business Codes I assume they will and continue to violate these applicaional laws if not contested in a court of jurisdiction of my State conferring of Texas or under Federal Law I am having a legal problem with Owner XXXX XXXX President & , XXXX XXXX   XXXX to-wit whom are an alleged owner of a XXXX Georgia base Collection agency based out of XXXX XXXX XXXX XXXX , GA XXXX USA primary residents and business mailing/address is purportly XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, GA XXXX. My complaint to the OAG is that this company purports to have obtained some form of leasing contracts with us the consumer of a consumer debt for charges un-validated or unauthorized by contract laws of the State of Texas thur the credit bureaus under Federal Law and refuse to present evidence of any debt in direct violation of the The Fair Credit Reporting Act ( FCRA ), 609 & 611/ 15 U.S.C. 1681 & 1982 and in addition is in violation as being a non-registered collection agency in the State of Texas Finance Code 392.101-305 this company has presented unauthorized misrepresented credit reporting material to the bureaus and needs to be audit and prevented from conducting unapplicatable law at a State & Federal Level we will also pursue this matter with the FTC. Further after extensive search this company is not authorize under law to conduct collection activities under the Texas Finance Code 392.101-306

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Attempting to communicate further with Citi has proved impossible. They refuse to help me via their secured chat, demanding that I call and speak to someone, which is extremely ableist and shouldn't be allowed. Further, they threatened to charge me a late fee even though I have no outstanding balance. This truly is not a bank, it's simply a scam.

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 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Disputed with company on XX/XX/2019. The company received my dispute on XX/XX/2019 as shown according to the certified mail receipts. It is now XX/XX/2019 and I have yet to hear from or receive validity back from company. The FCRA gives the company thirty days to respond, I have not gotten a 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 2019-06-08 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: MO

Complaint narrative:
Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX  {$6200.00} 4. XXXX XXXX XXXX XXXXXXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: MO

Complaint narrative:
Not sure if these accounts are associated with my junior or if they are unknown and unauthorized by other means. However they are not mines and just knowing that my identity has been compromised is damaging enough but now I got ta fight to restore my true credit worthiness. I'm demanding all relevant information regarding these accounts. I'm seeking physical documentation as oppose to electronic verification inwhich doesn't bare proof of anything. As a consumer I would like all the details of the investigation. And if this can not be provided to me then these unauthorized accounts shall be blocked immediately from my credit report and filings. Please remove these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX {$6200.00} 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. 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 2019-06-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had account from XXXX credit card by XXXX bank that account went collection agency called XXXX XXXX I paid them but credit reporting agency never updated as paid after disputing they update account sold even sold I paid the account why they can't update that account is paid

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 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was using my Bluebird account as a savings account for a house. 
The last 3-4 months I had some financial difficulties and hand to withdrawl funds to take care of daily expenses, bills, car issues such as a XXXX transaxle that went you on my XXXX, money for a tow, and diagnostics. 

The American Express stopped my loading abilities and closed my account. I always maintained a balance of 7-10k until just recently. I borrowed from myself, and I was planning on getting my balance back up. 

I called customer service 2xs after a failed load at a XXXX. 
They said they couldnt do anything about it. I spoke to 2 managers and was on the phone 3 hours. I explained everything, and they confirmed that I always maintained a high balance. 

This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: MO

Complaint narrative:
contacted the company and explained it was not my debt and they agreed and said that they would make note and that I should dispute with bureau. 
I disputed and it still appears on credit. 
so they lied and numerous attempts to contact again I get hung up on and speak to rude people. 
Obviously there is fraudulent business going on and I need answers. 
please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts on my credit report that do not belong to me. I have attempted to resolve the issue but the companies won't respond. 

EXPERIAN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} EXPERIAN - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XX/XX/XXXX {$40.00} - XXXX XX/XX/XXXX {$130.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$620.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$69.00} - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} - XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$40.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts do not belong to me. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX card services-XXXX I also did not authorize any of the following inquiries. 
XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX card service- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
I never received notice of any debt until I found it on my credit called the company they said if I paid in full the would delete so I paid during that call and they still havent removed it from my credit I tried to call back and get some resolution they told me it would be there for seven years even after I paid and they said it would be deleted Im trying to get a house and its affecting my ability to they are very rude

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX claims that I authorized them to do a hard pull on my credit file, I disputed this inquiry that appears on my credit file because I know that I never gave them any authorization to do so, they are saying on their response to my first complaint that I did like they say because my address matches the one on the application. They are also calling me a liar in their own words and I am upset because that is very disrespectful and unprofessional coming from them. First thing is that in order for them to do a hard pull on my credit file, they must have permisible purpose from me the consumer and thats what I am asking them to provide me with and it seems like they dont have it or dont feel like they have to provide me with it but the FCRA says that a creditor or user has to provide permissible purpose. The EXPERIAN website also states this and that is why I am including pictures to show them that they must provide me with what I am asking for, if this inquiry is not deleted from my credit file I will be calling the attorney generals office and if I have to I will place a small claims suit against XXXX XXXX  for false accusations and for reporting information on my credit file without permisible purpose. I dont want to know anything about what they think, all I want is for this to be deleted now. I dont have to prove anything to XXXX XXXX or any creditor, the creditor has to proof that I initiated this application for credit, in this case XXXX XXXX has to proof that I initiated this application.

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 2019-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
This company blatantly fooled me with this car. The interest rate was higher than I had agreed to. I was told that once I made my payments on time that I would be able to trade in my vehicle for something else. I tried, however that was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have never applied for credit and never submitted a auto loan application with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX On XX/XX/2019 I reviewed my 3 bureau credit report when I was alerted from Experian credit monitoring service there was an inquiry on my credit report. 

Inquirer name : Experian Report : XXXX/XXXX OF XXXX XXXX On XX/XX/2019 I called and spoke to Sales Manager XXXX XXXX and he said he would look into it and have yet to hear back. I have also placed numerous calls and left voice messages requesting a call back and resolution. 

Experian states that Inquires are not disputable.

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 2019-06-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Recoveries, Inc.
State: CA

Complaint narrative:
National Recoveries is sending me collection letters for a someone I dont know, and no one answers the phone at the number on their letter. Ive sent 3 requests to the email on their website to remove my name but the letters keep coming every few days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied the Best Buy Visa Credit Card ( Citi ) and was trying to setup the online payment account today ( XX/XX/2019 ). The credit Card system has problem and won't allow me to logon and schedule payment at all. I contacted multiple agents ( 5+ ) and 2 supervisors, I followed their instructions to reset password, changing browsers, devices and reset the profile. However, none of the method work and I requested them to report the issue to their technical team. They refused to do so and claiming that there is nothing else they can do after exhausting all the standard procedures. They keep on saying to wait 24 - 48 hours  and try to login. Since there is a system error, unless they report it to the technical department and fix it, nothing will change. I have a feeling that they are trying to mess up the client 's online account so the client will miss the payment.

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 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
I received a notice from The Advantage Group, a collection agency attempting to collecting an outstanding medical debt on behalf of XXXX XXXX XXXX XXXX XXXX from XXXX. Their letter requested that I remit {$4200.00} to their office to avoid further collection action. I know I have an outstanding balance with XXXX XXXX XXXX XXXX XXXX, but the amount I owe them is {$1900.00}, which is confirmed in a final statement from XX/XX/XXXX. 
I sent an email to this company on XX/XX/XXXX, and mailed them the debt dispute template letter from this site on XX/XX/XXXX ; however, I have yet to receive a reply of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Amsher collections recently had contacted me by phone on several occasions in an attempt to collect a debt. I was asked for personal information and then I asked what was this debt concerning. When I told the representative that this was not mine, because I am still actively still with the company she claim this debt is from, she began to speaking very sassy and argumentative about she knew it was my debt of $ 600+ and I was going to pay. I continued to explain to the representative that I still have active service with this company which is XXXX XXXX so how is it that I owe them {$600.00} + dollars but currently talking on my device??? She then told me she would follow the next step and began filing on me and now my credit has negative remark from an account that does not belong to me.

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