vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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:
I didn't apply for any of these account they are fraudulent and I would like them removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have previously opened XXXX different cases for this account, the first with XXXX Bank with case # XXXX, then XXXX with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, The BUREAUS with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to The Bureaus. 

No one wants to state claim to this account, what I am asking CFPB to do is since neither XXXX wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have XXXX XXXX TRANSUNION remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL 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 2022-03-31 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2022-03-31 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: FL

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I have spoke with the originally owner this debt *XXXX XXXX aka XXXX XXXX I have already paid this debt off. This company SUNRISE CREDIT SERVICES Account numberXXXX I have told this company to please remove this wrong information. This debt is paid and full and i don't owe this company money never have. i spoke with XXXX from XXXX  she told me that she updated this info with this company so they can remove this information from my credit report. This has hurt my score so bad that is hurting my living able to obtain certain types of loans and stuff. please company just remove this incorrect information. I have enclosed proof that this debt is paid to the original owners. thanks 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 2022-03-31 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I purchased in-ear headphones from XXXX in XXXX of 2021 for {$5.00}. I understood that to be a single purchase with no recurring purchases intended. I apparently did not notice that they would continue billing me for additional services and products. They claim they sent an additional product for which they debited my account {$110.00}. I contacted Comenity and told them I had been defrauded and charged for something I did not receive. Comenity chose to believe the merchant over me and refused to remove the charges. I spoke with Comenity repeatedly disputing the charges. They refused and I closed the account. Although I understood from representatives with Comenity that the case was once again being investigated, they assessed me a late fee in addition to the original bill. Finally, after complete frustration, I contacted Comenity today and asked them to remove the late fee and I would pay the balance on the account. They refused to remove the late fee saying the account was closed. I want others to know how Comenity treats its customers. I have attached supporting documents relative to my plight with Comenity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Our Condo HOA provided TV via XXXX as part of our association dues. So I used XXXX for my internet service needs for a couple years at a flat rate of XXXX XXXX  month. XXXX lost the contract with the association, In an effort to retain business, kept the flat rate of {$40.00} for internet services, as each unit paid that themselves. This continued for many months until XX/XX/2020. My XXXX bill went from {$40.00} to {$58.00} but it was already hooked up and working so I remained a customer. In XX/XX/2020 the rate jumped to {$180.00}? I called XXXX assuming there was a mistake for the rate to increase almost five times? Nope. So I cancelled. XXXX stated that I COULDN'T CANCEL? They stated that I had to give 30 days notice from my billing date, meaning I was responsible for this new rate now for almost 7 weeks. I pushed back and said I was cancelling IMMEDIATELY ( obviously - who pays 5 times more for the same service? ) as I was not under any type of agreement or contract. I stated I would pay them the pro-rated share for the less than 10 days of service at the agreed upon rate, but they refused to send me a corrected bill. I cancelled their services in my mind that day, and I returned their equipment. I had XXXX XXXX services installed the next day through their Internet Essentials Program for low income households receiving Medicaid and Food Stamps, and have XXXX to this day. XXXX can not BACK DATE charges and can't continue to bill me for services not rendered, especially since I had no contract. I do owe XXXX appr. {$19.00} and will pay it once they send me a corrected final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MT

Complaint narrative:
I received a letter that my Federal Perkins loan with ECSI are due on XX/XX/XXXX. Due to Biden 's memorandum, the government website states all Federal Perkins Loans, under ED and not under ED are included. I recently XXXX XXXX XXXX  and just was able to secure a part time job after dealing with the medical treatment she needed as well as the loss. I asked if they had income driven repayment plans, and they said no. How can they expect people to afford hundreds of dollars of payment every month? They mentioned a forbearance, but I have been doing that for the past 3 years and it has built up unreasonable interest and I can't do that any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX TransUnion. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within Equifax, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX XXXX XXXX XXXX XXXX was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over 100 phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, Experian XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.

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 2022-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are multiple inquiries on my credit report that I do not recognize. I called In regards to these and was told I would have to contact the the company where the inquiry came from. Contacted the companies and was told it was nothing they could do and to contact the credit bureaus. I am tired of being given the runaround. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
ON XX/XX/22 I received an unsolicited Chime XXXX  debit card ending in card # XXXX. I called Chime who told me to submit an email which I did. I received an acknowledgement of the email but nothing about the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXXXXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have previously opened 2 different cases for this account, the first with XXXX XXXX with case # XXXX, then one with person they say it was sold to which is a violation of my rights because they don't have a contract with me and should not have my information at all, XXXX XXXX  with case # XXXX. 

I am writing because if you look at case # XXXX they have said the account does not belong to them and they can't remove this account. then if you look at case # XXXX they clearly state that they are no longer the creditor on the account and it was sold to XXXX XXXX 

No one wants to state claim to this account, what I am asking CFPB to do is since neither one wants to claim the account and remove it since I have filed a Identity Theft Affidavit for this account. I am asking CFPB to enforce my rights and have EXPERIAN XXXX XXXX remove this account from my file due to IDENTITY THEFT and my AFFIDAVIT has been attached. 

My information to locate my files with both is below XXXX XXXX XXXX XX/XX/1985 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-03-31 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: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TNXXXX  ( XXXX ) XXXX HEALTHCARE RECEIVABLES Original creditor : XXXX XXXX {$1900.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account type Collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2022-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are multiple inquiries on my credit report that I do not recognize. I called and was told I would have to file a police report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On approximately XX/XX/XXXX a representative contacted about a balance I owed to XXXX XXXX  by Amsher a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.

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