vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts 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 non-monetary relief
Consumer complaint received 2022-08-07 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Have no knowledge of where this originated. 
I have never applied for any pay day loans. 
Just discovered this derogatory report while looking at my credit report on XX/XX/22. 
My credit score has subsequently dropped XXXX points for something I never initiated. 
The company listed as the collection company is Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX. 
XXXX {$230.00} Reported on XX/XX/22 to credit bureaus. 
I have never received any documentation from this company in order to confirm or deny anything. 
In a word the account is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Since XX/XX/2002 I have been attempting to get a payment made to my XXXX XXXX XXXX card with Cometity Bank. Because of a missed payment ( my fault ) there phone payment, web site, easy payment and payment center send me to or tell me to use the phone in. NO ONE ANSWERS THE PHONE. HAVE SPENT HOURS OVER THE LAST WEEKS TRYING TO GET THROUGH. No one answers phone XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't even get in to close the account. Good luck getting a hold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
Duplicate info found in Hard Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Exact info, including date, is listed twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: IN

Complaint narrative:
On XX/XX/2022 I filed a dispute with TransUnion against XXXX XXXX XXXX. I provided proof that XXXX XXXX XXXX is being reported inaccurately, XXXX XXXX XXXX did not properly validate the debt, and XXXX XXXX XXXX is being updated by the original creditor of all of the payments that are being made on the account and they are updating the account with false information. 

TransUnion has proof of all of the above claimed information. Without doing a proper investigation, they falsely verified the account as being accurate on XX/XX/2022. TransUnion is acting as an accomplice with the false reporting of this account. I demand that TransUnion remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NV

Complaint narrative:
someone continues to do identity theft under my name and variations of such and they keep sending prepaid cards ones they have already made an online account for and ones where you don't need the physical card to get illegal money deposited onto it. they do this and then transfer the funds I am also getting checks from places I've never had bank accts at and t is ruined my credit score by XXXX  points this is XXXX make the prepaid card theft stop it. its a huge problem cause to close the account you have to activate the card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Because I have credit monitoring, I received an alert on XX/XX/2022 that a collection had been added to my credit report. When I checked the alert, it was from Designed Receivables Solutions ( " DRS '' ). I called DRS to ask what this debt is from and all they would say is that it is from XXXX XXXX XXXX. I explained to them that that city is over 100 miles away from where I live, and that I have never visited that area. I asked them for the account information and they said I would need a police report. They never sent me a letter or contacted me about the debt before adding it to my credit report. When she asked to confirm my address and phone number, it was an address that I hadn't lived at in over 10 years. I sent them a letter requesting the account information of the debt, and they have never responded back, but instead they listed the account as disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: OH

Complaint narrative:
Possible Financial is attempting to collect a debt that does not belong to me. This is a debt that comes from identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: IN

Complaint narrative:
In XXXXXXXX XXXX XXXX I sent TransUnion LLC a request to remove inaccurate addresses, phone numbers and workplaces along with 2 Debt validation letters due to them reporting inaccurate items on my credit report and instead of them investigating the disputes they sent me a copy of my credit report and response letter stating they need authorization stating it doesn't appear I sent it. I am not working with a credit repair company or anyone else I am working to resolve the inaccuracies on my own. That's verification that they did receive the disputes I submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
There is information on my credit report that does not belong to me that is the result of identity theft. The account is from XXXX XXXXXXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: CA

Complaint narrative:
I was called many time by the company about this debt. But I told them this is false information. This was during my time in service. I signed for one class thinking I can study while serving. But when I realized we were going to mission training. I cancel this program through the XXXXXXXX XXXX base of registration for class. But this company still charged me. What surprise me I never took a class with them. More importantly the XXXXXXXX XXXX was in charge of paying class while we are serving, cause this was sign through the XXXXXXXX XXXX. Not at my charge or anything. Also the policy was to cancel if we dont want to go anymore. I cancel within the time required. And now there are framing me for a money that I dont owe them at all. They are some how putting this on my credit report which are getting my score low. Please I need help here to dispute this. This is false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
I have a collection agency trying to collect on an old debt. 5plus maybe 6 years old. I get continues calls to my business line and they have even sent a person to give me paperwork stating they are suing me in court. I have signed nothing or admitted to owing this money to this company. They bought a bad debt and are now pressuring me to pay it. They report it on my credit multiple times a month every month harassing me and using the reporting to the Credit bureaus to district me by distorting my credit. By them doing this it has made my life very difficult and has affected me financially. I believe the statue of limitations in the state of XXXX for credit card debt is 4 years, correct me if Im wrong but they do need to move past me and stop reporting multiple times a month to the credit bureaus in turn Destroying my credit. The above mentioned company is law offices XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ( XXXX ) XXXX please let them know they need to stop reporting on my credit report or I will be suing them for distorting my credit making my life difficult and pursuing this illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank must release this lien as fast as possible. It has no right to continue to place this lien. Citibank should be legally liable for the many financial lost in loosing the sale of this property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Serious delinquency, number of accounts with delinquency. Not true. If it is, show me. What is my true credit score?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
( 1 ). Bank of America XXXX XXXX XXXX XXXX XXXX Opened a credit line ; for the sum of {$20000.00} Around XX/XX/XXXX XXXX XXXX. 
I did not request this account nor did I apply for it any way or means. I contacted the Bank and asked for the account to be closed and to be removed from all 3 credit bureaus. They said that they would close the account. On XX/XX/XXXX sent a letter saying my personal info has been compromised. and to contact them by phone. 
On XX/XX/XXXX I received a second letter that they contacted the credit bureau XXXX As to this date it still shows on my credit reports after several attempts to have it removed ( 2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX this bank opened a revolving account of {$10000.00}. with out my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I was a member of XXXX gym which was located 4 miles from my home before the pandemic. Once the gyms were allowed to open after covid. XXXX opened for a few months then closed all of its locations in XXXX without notice. I called the location in XXXX Fl. and was told that my membership would be cancel since there is no gyms in my area. In XXXX of 2021 I started being charge by a gym name XXXX XXXX located in 22 miles from my home. When I called I was told that my information was sold to them and, but I could cancel at anytime. I told them that I wanted to cancel since I never sign up for their services. The membership was never cancelled. They continue to charge me even after I call the gym many times. I finally call my bank and cancel my debt card. Then I started receiving phone calls about late payments which I told them I never sign up for this gym. I have never been to a XXXX XXXX. XXXX nor XXXX XXXX doesn't have a customer service number or email. So beyond calling the gym there is no one to contact about this. I have now receive a letter in the mail from Aldous and Associates stating I own an amount for {$180.00}. I do not own them anything because I never sign up for this gym.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: OH

Complaint narrative:
There is information on my credit report that does not belong to me that is the result of identity theft. The account is from 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 non-monetary relief
Consumer complaint received 2022-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX  XXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}

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 2022-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}

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 2022-08-07 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: TX

Complaint narrative:
I do not recognize this account XXXX XXXX XXXX XXXX is showing as a debt owed in the amount of {$2800.00} on my credit report. This is not my debt and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Capital One, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
Enhanced recovery company try to collect a debt from I sent them two certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Enhanced Recovery Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I have not got a response back they sent me a bill from XXXX in the mail.

Company response to consumer: Closed with explanation