vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 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: AL

Complaint narrative:
I've been disputing the status, amount, dates of an account listed on my TransUnion credit report for months and TransUnion continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. I sent TransUnion yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ). I also included the screenshot to prove that there is no loan reporting on XX/XX/2009 from the University of XXXX XXXX. TransUnion has completely ignored my letter and proof and still is reporting the account on my report after I've sent in proof. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the account from 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 2020-02-10 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: NC

Complaint narrative:
Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.

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 2020-02-10 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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN 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. I have contacted the FTC and the Georgia police.

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 2020-02-10 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:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN 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. I have contacted the FTC and the Georgia police.

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 2020-02-10 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 2020-02-10 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: SC

Complaint narrative:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need this item deleted from my report. I'm working on this all on my own XXXX. I saw some inquiries too 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 XXXX XXXX. I have contacted my local police and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ULRS, Inc.
State: CA

Complaint narrative:
I signed a contract on behalf on my company to engage a collection agency to go after debts that are owed to our company. They send over an outrageous bill to our company for debts that they were not able to collection. They are now threatening to go after me personally and have made numerous threats to destroy my good credit if i do not pay them. They are claiming that I personally guaranteed the contract because I inadvertently signed the agreement with the caption as personal guarantor. There is no agreement or consideration for me to be a personal guarantor of this false claim. 

The owner of the company uses a fake alias and has made XXXX-XXXX  remarks and threats to me and my partner. He has threatened to sue me personally and has disclosed private information about me to show that he has access to my personal and private information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: WA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My employer has received several calls from Navient on XX/XX/2020, XX/XX/2020 and XX/XX/2020. I sent them a Cease and Desist letter on XX/XX/2020 making it clear that I should be the only person contacted in regards to my debt and they did not follow through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Good afternoon, I have a closed account on my credit report, from COMENITY BANK/VCTRSSEC which was closed in XXXX, however, my credit report shows that it was closed in XXXX, which is not true. Is there any way the date can be corrected or this incorrect account be removed from my credit report as it is older than the date shown? thank you - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, I mailed my XXXX School tax bill for my VA mortgage to PHH Mortgages Services for them to pay the tax bill in the discount period ( in the amount of {$1000.00} ) from my required escrow account. The payment was due on or before XX/XX/XXXX. 

On XX/XX/XXXX, the mortgage servicing on the loan was sold to XXXX XXXX  XXXX. 

On XX/XX/XXXX, I was notified by my county tax claim bureau that the XXXX tax bill was never paid by PHH Mortgage Services and now was delinquent and additional penalties, interest and fees were now due ( the new bill is now due in the amount of {$1100.00} ). 

I immediately contacted PHH Mortgage Services and asked why the bill had not been paid and complained that due to their failure to properly service the loan, additional penalties, interest and fees were now due, in the amount of {$150.00}. The response from PHH Mortgage Services customer service person was that they no longer serviced the loan and they had no responsibility for anything. 

I pointed out that due to their failure to properly service the loan, I was being financially penalized. As a XXXX, XXXX veteran, the {$150.00} penalty is something that I can ill afford. They told me to contact the new servicer, XXXX XXXX  XXXX. However, XXXX XXXX   XXXX did not service the loan at that time and they did not pay the bill either. 

PHH Mortgage Services refuses to take any responsibility for their fiduciary responsibility failure and I am being financially penalized for their incompetence. The {$150.00} should be paid by PHH Mortgage Services as the bill had been presented to them in a timely manner for it to be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: NC

Complaint narrative:
Unknown inquiry from the company " XXXX XXXX '' on the date of XX/XX/2019, they have no proof of permissable purpose without a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In XXXX of 2019 a mortgage was taken out in my name with PHH. I have never applied for a mortgage or refinance from this company. It would appear that my stepfather has taken this loan out in my name. I have never authorized or signed any documents pertaining to this loan. I have never spoken to anyone from this company and had it not been for my credit report, I would not have known that this loan existed. I can't find the loan number to even inquire about this loan. I can only find it by using my social security number and my stepfather 's address. Because of this, no one will speak to me regarding this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I charged {$540.00} for a Delta Membership that is covered under the annual airline fee credit on XX/XX/XXXX. The receipt from Delta XXXX states XX/XX/XXXX as the transaction date. The charge posted on XX/XX/XXXX by American Express and triggered the airline fee credit on XX/XX/XXXX for calendar year XXXX. About two weeks later I contacted American Express to get a resolution. I was told by a manager that they could retroactive the credit as they reviewed my account and verified that the XXXX credit had not been used. I was supposed to receive an email. As of XX/XX/XXXX, no email arrived and therefore I contacted American Express to follow up. I was told that the case was closed though I had not been notified. American Express refused to assist, even though a supervisor said they would. American Express is aware that this complaint is being filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10 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 2020-02-10 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 explanation
Consumer complaint received 2020-02-10 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: NC

Complaint narrative:
This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from transunion saying its open but XXXX and XXXX  saying closed? Which one is it? This account needs to be deleted with all these 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 2020-02-10 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: ERC
State: TN

Complaint narrative:
In XX/XX/2018, I had an open agreement with XXXX XXXX where I was currently paying off a bill in doing so they would not report to my credit. They reported to my credit anyway. I filed a complaint against XXXX XXXX, they agreed to remove from my credit report. They did however sell to another Collection agency in XX/XX/2018. The new collection agency did not contact me regarding this collection and placed it on my credit report in XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
These problems has been continuing for several months due to which we stop using this card ( shop your way card ). They are continuously charging us for nothing. sometimes they charged for ineligible interest charges, fees for nothing and money transfers. Last time they charged us for 3 times listed below. we talk to the merchant ( XXXX ) they told us that they charged nothing like that except monthly payment. 
unauthorized charges : ( 1 ) XXXX : on behalf of XXXX  internet ; amount of {$220.00} ( 2 ) XXXX : on behalf of XXXX internet ; amount of {$290.00} ( 3 ) XXXX : balance transfer ; amount of {$220.00} Even we contacted them on XXXX to remove the above two charges and to close the account right now for which the billing lady had agreed but on the very next day ( XXXX ) they again charged us Balance transfer instead of removing previous charges and closing of account. Please keep in mind that we are not using this credit card for anything for last few months.

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 2020-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is about the fourth time I have reported Comenity Bank - XXXXXXXX XXXX   XXXX  Credit card. I closed the account over a year. It was reopened without my permission. I have mailed the customer service department and this agency about the demand to pay late fees and an annual premium for a credit card I chose not to use. 

Credit card # XXXX XXXX XXXX XXXX - never activated Balance Statement Credit Card # XXXX ( located at the bottom of the statement ) Why there are two different numbers no one at the company can tell me and the fraudulent part is to have me activate the card " before '' someone in customer service answers my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but XXXX  and equifax saying closed? Which one is it? This account needs to be deleted with all these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account was disputed multiple times before but only come out as verified through all three credit bureaus. This account has errors from XXXX  saying its open but experian and XXXX  saying closed? Which one is it? This account needs to be deleted with all these 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 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
XXXX XXXX an XXXX XXXX by notifying them by phone that my information was sent to them illegally an that theyve been reporting my information to credit bureaus destroying my credit. I also stated that every line I dispute a charge an the credit bureaus take it off the re add it back. They representative stated that if I dont like whats being done pay the bill. Unless I want to be arrested an take to court. I stated that I was going to report them an they said that it didnt matter now pay the bill. I ask them to take it off my credit an she laugh an hang up. The next time I call a representative said yes it can be taken off my credit no problem an said it wa fine. But they lied. So in XXXX nothing happen when I call back but for me to pay or be taken to court with documentation. XXXX I ask the same thing nothing happen but threats to credit or taken to court.

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 2020-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. Transunion and XXXX  refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.

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