vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have an ITIN and when get a report they inform to me that DESEACED or unverificable application information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts Transunion and any other credit reporting agency 's would take off. Here the following accounts I would like removed from my credit report as promised. 

I have 3 XXXX cards all 8+ years all terminated would like that off A XXXX card that was opened on XX/XX/XXXX & another one opened XX/XX/XXXX A XXXX  XXXX card with a credit limit of {$7500.00} & another one with a {$10000.00} limit XXXX  XXXX opened on XX/XX/XXXX. 

These cards some were an ex bf 's and some were my mother 's I just don't want anything to do with them off my credit report as I am trying to build good credit and do not need or want there help. 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 2020-02-08 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: NJ

Complaint narrative:
he HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications.

They are in violation of HIPPA law privacy this should be reporting on 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 explanation
Consumer complaint received 2020-02-08 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: NV

Complaint narrative:
These aren't mine ... please remove them.

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-02-08 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: NV

Complaint narrative:
These aren't mine ... please remove them.

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 2020-02-08 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: NV

Complaint narrative:
These aren't mine ... please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: LEXISNEXIS
State: IL

Complaint narrative:
Ive notified LexisNexis on several occasions that they were reporting incorrect information on my credit report, I also froze my LexisNexis files and they continue to share my data with the credit bureaus. I sent them letters from the bankruptcy court stating they do not give this information to them. Yet they state this is where they got it from. They are reporting incorrect information and have not legally verified my information its been pass 30 days for them to validate this information ... I have not received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NC

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts XXXX and any other credit reporting agency 's would take off. Here the following accounts I would like removed from my credit report as promised. 

I have 3 XXXX cards all 8+ years all terminated would like that off A XXXX card that was opened on XX/XX/XXXX & another one opened XX/XX/XXXX A XXXX XXXX card with a credit limit of {$7500.00} & another one with a {$10000.00} limit XXXX XXXX opened on XX/XX/XXXX. 

These cards some were an ex bf 's and some were my mother 's I just don't want anything to do with them off my credit report as I am trying to build good credit and do not need or want there help. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I was using the Western Union App and I sent money to a family member of {$300.00} and Western Union charged me twice.I called the bank and they gave me credit, then they took it back because Western Union claimed that they only charged me once. I contacted Western Union by email and they told me to print my banking statement for proof of the double charge and to email it to them. They gave me a claim number XXXX. I emailed them my bank statement 5 weeks ago and they still haven't responded.I also called Western Union customer service I was put on the waiting line for a while till I was disconnected from their line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
According to XXXX XXXX ( Original Lender ) our mortgage account was sold to XXXX XXXX and in turn sold to Rushmore Loan Services on XX/XX/XXXX. All servicer 's without exceptions violated Federal Rule 1024.33 ( a ), 1024.33 ( b ) ( 3 ).  We have NOTreceive notices from any of the above servicer 's regarding the transfer among the different lenders. XXXX XXXX does not exist any longer therefore took us years to here from XXXX XXXX, and was told the loan was sold to XXXX XXXX. The company stated that the loan was sold to Rushmore since XX/XX/XXXX. Sometime on or before XX/XX/XXXX, I contacted Rushmore and convey that had yet to receive notices of transfer and mentioned the Federal Rules .These notices must be sent to the PROPERTY ADDRESS PURSUANT TO THE ABOVE MENTIONED FEDERAL RULES. Few weeks later after our phone conversation the servicer tried to cover their error by sending mortgage statements. The servicer acquired our loan on XX/XX/XXXX, yet failed to send notices of transfer, nor provided with notices in regards to being the new servicer, Nor statement until XX/XX/XXXX. The servicer wasted valuable time while we could have applied for a loan modification years ago. It appears on its face that Rushmore does not follow Federal Servicing Rules or have any respect for the above mentioned Federal Rules. At this juncture we want to retain our property and are interested in home retention. We have provided Rushmore with a loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts would be taken off. The first account on here according to my XXXX XXXX is XXXX it says I am an authorized user. That should be off my file. The other account was a XXXX card with a credit limit of {$14000.00}. These cards one was an ex bf 's and was my mother 's I just don't want anything to do with them and for it to be off my credit report as I am trying to build good credit and do not need or want there help. Thank you. I was told by Equifax that would be resolved and taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NC

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2020-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My ex-husband and I divorced on XX/XX/XXXX and he was left responsible for the Cabella 's Capital One Card in his name. The Cabella 's Capital One card that was in my name was closed XX/XX/XXXX due to never being used. I received a bill from Cabella 's Capital One that still had my name attached to it in XX/XX/2020. I contacted Capital One on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to request my name be removed from the Cabella 's Card in my ex-husbands name. I requested proof of statement that I had authorized to be an authorized user on his card and Capital One has not provided any proof. Capital One is refusing to take my name off the card until the card is closed. My ex-husband has over {$17000.00} in charges on the account and unable pay it off. As a result Capital One has reported my name attached to Cabella 's Card as a joint account member to the Credit Bureaus and now my credit rating is poor. I have always paid my bills on time and had excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-08 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-08 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The debt has been paid Article 1 section 10 untitled states constitution Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; Mark all payments to on time and paid in full

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 2020-02-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The debt has been paid Article 1 section 10 untitled states constitution Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; Mark all payments to on time and paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: NJ

Complaint narrative:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my 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 2020-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Diversified Adjustments located on XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX, is trying to collect a wrongful debt for XXXX XXXX. 
I transitioned my business lines from XXXX to XXXX XXXX XXXX during a promotion in which XXXX XXXX XXXX will pay {$160.00} per line for transferring the service to them. 
It was required by XXXX XXXX XXXX a detailed breakdown of the remaining balance per line with XXXX. I did submitted my request for the information to XXXX on several occasions but they never complied denying my consumers rights. 
As a result the debt was left pending and now they are using several Collectors to collect a debt that was created purposely by their non compliance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08 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: FL

Complaint narrative:
I don't have a XXXX credit card and this what they are trying to say this one is XXXX account on your TransUnion credit report. 

I tried to dispute this with transunion but they still are showing this on my report and it has affected my credit.

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 2020-02-08 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: PA

Complaint narrative:
I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.

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 2020-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
These cards were used fraudulently, much of the address on report are incorrect I never lived at some of the address '. The only loans are student loans and paid off car loans that are mine.

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 2020-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am a member of the XXXX XXXX XXXX overseas to the XXXX XXXX. I am stationed in a location where I can live in an apartment and drive around the local area. I recently purchased a car from a friend who was returning home. We agreed to {$5000.00} for the car. I attempted to use Chase bank 's XXXX transfer service. The transactions are limited to {$2000.00} using this service, which is fine. I submitted the first payment without any issues. However, the second payment of {$2000.00} apparently flagged my account for " suspicious activity. '' I was able to call, verify my pin, debit card number, and card code. As far as I know, the payment was successful. I was assured over the phone that future payments would not be flagged. Unfortunately, the third payment of {$1000.00} was again flagged. This time, Chase is telling me I must appear in person at a local branch. That is impossible given that I am in the XXXX XXXX and they have no branches here. Their solution is that I call my banker. However, I do not regularly bank with Chase. I am a XXXX member, but I use Chase to process rent and mortgage payments from properties I own. Therefore, I do not have a " relationship '' with a specific banker. Their demand is completely unreasonable and discriminates against military members. There are sufficient technologies available today to verify my identity. Additionally, with the lock in place, I can not withdraw my funds and close my account. This is simple Chase refusing me access to my funds. I hope the CFPB will be able to help me resolve this issue.

Company response to consumer: Closed with explanation