vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
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 am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$1500.00}

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 2022-02-11 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Ive contacted TransUnion on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as TransUnion investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.

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 2022-02-11 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: GA

Complaint narrative:
My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that Im going go list on this complaint XX/XX/XXXX These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as Im filing this complaint to consumer financial protection bureau to help with this situation please remove all,

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 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021 someone broke into my car and stole my purse containing my wallet and other valuables. I contacted my banks & credit card companies to report the theft and also the Police. Bank of America refused to pay the unauthorized charge of my debit card of {$620.00} at XXXX as stated in the Police report. ( Attached )

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 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with MIDLAND CRED plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I XXXX of XXXX Citi offered a promotion to open a checking account and deposit {$15000.00}. As a reward, they would give me {$400.00}. 

I did this on XX/XX/XXXX. 

Days prior to XX/XX/XXXX, I had satisfied all the conditions of the promotion. On XX/XX/XXXX, I called to discuss the issue. I was told they will deposit the {$400.00} on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XXXX. This did not happen. 

I called on XXXX. I was told the deposit would happen on XX/XX/XXXX This did not happen. 

I called today, XX/XX/XXXX. I was told the deposit would happen on XX/XX/XXXX. I have no confidence that they will honor their part of the promotion. Please help with getting the {$400.00} that Citi promised me.

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 2022-02-11 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:
Been disputing this account for over a year now and it has not been removed after taking the steps to clear with company and bureaus to remove accounting which is unknown to me. Experian has not made it accessible for me to talk to a rep/agent to update or dispute even though I have sent certified mail protesting this account as well ... .no changes have occurred. 

DISPUTE SUBMISSION FAILED after I tried again to dispute accounting. 

XXXX XXXX Not mine or No knowledge of account Looks like you've already filed a dispute for this item Under Section XXXX ( XXXX ) ( XXXX ) ( XXXX ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX  : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Verisk Analytics Inc
State: IL

Complaint narrative:
Verisk FinancialXXXX XXXX is providing bankruptcy information on my consumer report that was obtained by violating multiple consumer rights. I attached a letter from the US Bankruptcy court, that states that they do not provide information to any consumer reporting agency. 
Verisk FinancialXXXX has violated my consumer right to privacy, Permissible Purpose ( 15USC 1681B2 ), and violated 15USC 1681A-e ( Investigative Consumer Report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: OH

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/2019 {$24000.00}.

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
IM VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX, AND XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Area Collection Service, Inc.
State: OR

Complaint narrative:
This business is coming after me for illegal charges and will not remove them from my credit report. It is illegal in Oregon for an apartment complex to charge for basic wear and tear. On my itimized list it shows that the apartment is requesting I pay for paint, paint labor, staff labor which is illegal in Oregon. I have requested the collections removed. This was also involved in a judgement which the collections company has on file showing the Judgement granted for {$250.00} and the company has willing ignored the Judgement as they house the records showing the Judges ruling. The amounts have also changed without payment from me because I do not owe this debt yet it has flutucated multiple times. The XXXX XXXX can not verify the money owed so they keep taking away and adding charges as they see fit. Fair Debt Collection Practices Act ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Provides that failure by the consumer to dispute the debt during the thirty-day period after the debt collector 's initial communication with the consumer may not be construed by any court as an admission by the consumer that he is liable for the debt. They have requested I pay an amount that includes my deposit paid, normal wear and tear, and hourly paid staff for their work. The Judge has denied the request but the collections company will not follow the Judgement given. Attached is the itimized list, along with the Judgement amount on the last page of the documents the Judge granted. This company is making false financial statements that is effecting my credit and my name in a negative manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
after checking my credit report i am a victim of XXXX and XXXX  XXXX data breach someone applied for credit in my name using my ssn and dob. in doing so they were able to obtain unauthorized accounts in my name. here are a list of the fraudulent accounts : XXXX XXXX XXXX : XXXX - XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX : XXXX - XXXX XXXX : XXXX XXXX - XXXX -XXXX  XXXX XXXX XXXX -addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX, il XXXX - XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XXXX XXXX XXXX XXXX XXXX, il 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 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I never received the initial demand letter in regards to collecting debt. Harris & Harris has not verified they are handling the account. I have not received any letter correspondence about this account. I called & tried to confirm, and XXXX provided me inaccurate information about process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On my credit report from all three bureaus my payment history is rated as POOR.

Further down my report where all accounts are listed the payment his is listed as EXCEPTIONAL. All my accounts are listed as PAYMENTS - ON TIME. 
The accounts in question are XXXX XXXX- 2 - Credit Cards CAPITAL ONE - 1 - Credit Card These payments were late because of XXXX. I did not have the virus, but 3 employees did so the restaurant shut down for 2 weeks, that was why the payments were late. 
I contract with XXXX XXXX. They are excellent. They have sent MULTIPLE letters on my behalf to XXXX and CAPITAL ONE. 
XXXX and CAPITAL ONE have contacted me several times by USPS, saying the late payments WOULD NOT be removed because it WAS NOT a bank error. 
XXXX XXXX said there is nothing they can do except sending letters. 
I filed disputes with XXXX and CAPITAL ONE and got the same response. 
I also filed disputes with XXXX, XXXX  and XXXX, got the same response, dispute declined NOT Bank ERROR. 
They told me to contact XXXX, I did, they told me by phone that they would do nothing because that the Bureaus report to them. 
If you obtain my full credit reports from all Bureaus, you will see exactly what I am talking about. 
I also want to mention that these late payments are OVER 2 years old. Prior to 2 years there were no late payments, defaults or delinquencies and since that time, none.

To report my payment history is rated poor is unfair, inaccurate resulting in a poor credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
WELLS FARGO IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! 
Wells Fargo KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! 

I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! Wells Fargo HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! 

WELLS FARGO TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! 

WELLS FARGO IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!

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 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a XXXX store. I have filed complaints with the debt collector and with XXXX and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX. 
Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. XXXX XXXX XXXX or XXXX XXXX does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Purchased TV from Best Buy salesman. Asked to fill credit app. to receive 10 % off first purchase. Was informed there was no obligation to accept credit offer. Credit report was entered with my social security number, but in my wife 's name. Never received {$45.00} which equals 10 % off. Bait and with but screwed everything up. Then tried to make Citibank correct information. Citibank would not do it. How does someone get credit card in their name if they are not even present? See watched What should I do now?

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 2022-02-11 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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