vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is many of several. I just did this a few weeks ago only for all XXXX credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXX XXXX XXXX XXXXXXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXX XXXX XXXXXXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, XXXX AND TRANSUNION HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES XXXX AND TRANSUNION HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is many of several. I just did this a few weeks ago only for all three credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that XXXX lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXXXXXX XXXX XXXX XXXX SHOULD BE DELETED FROM MY CREDIT FILES XXXXXXXX XXXX XXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

XXXX, EQUIFAX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES EQUIFAX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I opened an account with XXXX XXXX XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed 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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I opened an account with XXXX XXXX  XXXX in order to rent an instrument for my son. At the end of the contract, the instrument was returned, but my account was still charged for months afterward. Despite numerous calls made to the company, I kept receiving inaccurate bills ( which I did not pay ). Finally, a manager called me to let me know that the account was straightened out and my account would be credited for all of the extraneous charges. Unfortunately, my account was never credited and it was passed along to collections. I would like this account closed and derogatory information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX texas. XX/XX/2016 I went there and got treated, XXXX paid there part, I just received a letter stating I owe {$6200.00} for the visit, I NEVER received any thing up until now. It went to collections and now its on my credit report, what can be done about this rip off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Hello, I used to have a TCF bank account ( both saving and checking ) when I was studying in college through XXXX until XXXX, TCF bank was the only bank in my school area. After graduating from school and married, I went to TCF XXXX, Illinois location in XXXX to close down both my accounts with TCF due to the distance. I withdraw all my savings and TCF bank clerk helped me to " close '' my account. 

However, since early XXXX, I started to received bills from Hungtington bank, who later bought TCF bank in XXXX and TCF doesn't exist anymore. And the Hungtinton bank bill keeps charming me " overdraw ' fees ( {$10.00} ) every month. I called Hungtington customer service line ( XXXX ) twice in XXXX to report this situations. First, I am no longer a TCF active user and already closed my account. Second, I never give authorization to Hungtington bank to open a 'new account ' with them and disclose my personal information ( my home address, SSN, name ) to them. After communicating customer service 2 times, I addresses the fact that I don't need an account with Hungtington and please checked that the account was closed successfully. And they did confirm on their end to say that it was closed. Unfortunately, on XXXX. XXXX, I received a bill from Hungtington bill again and charges me {$10.00} for overdraw fees. I tried to call the customer service and I was waiting for an hour but nobody picks up the phone at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using XXXX XXXX compliance. They are also directly violating my consumer rights As per Section 611 ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from 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 explanation
Consumer complaint received 2022-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Explain, in detail, your math involving my Travel Rewards Credit Card! I am in receipt of 2 letters stating {$93.00} due me on 1 and no number on # 2. 
Your lack of getting a managerial response is pitiful and anti-consumer is being overly generous. this is a two-minute problem from an intelligent manager!!!! 
Get me one!!!!

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed an alleged bankruptcy with Experian. They verified it several times, and mentioned they were provided this information by XXXX. I pulled by XXXX report to find there was NO BANKRUPTCY listed. I demanded that Experian delete the bankruptcy from my credit report, and they claimed AGAIN even with EVIDENCE FROM MY XXXX XXXX REPORT that they have no bankruptcy listed. 

If they're verifying information with XXXX, and XXXX doesn't show a bankruptcy then it needs to be deleted.

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
Between XXXX and XXXX of XXXX I sent a letter to GM Financial in regards to an account being reported on my credit reports. My husband purchased a vehicle with them and was awarded the vehicle in the divorce in XXXX. I attempted to call and write to them asking if there was anyway to remove my name from this account as he had possession of the vehicle and I had all the documented proof. I never received a call back, a letter back, nor have I ever received ANY bills or notices in the mail in regards to this account. They have made ZERO attempts to work with me or keep me informed as to what is going on with this account. At this point in time this debt is too old to remain on my account and I have asked them to request a tradeline deletion since they will not respond to any form of contact I have tried to initiate. When I checked my equifax credit report today there was an update that this account was " paid for less than owed '' and " paid charged off account '' and it is being reported as a zero balance. I am assuming my ex husband has finally paid it off. However, on my transunion credit report it is showing there is still a full balance owed as well as " bad charged off debt ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. Experian said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section XXXX05B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2022-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX of 2019 I went to my local Compass Bank branch to open a Health Savings Account ( HSA account ). The account has been used solely for medical expenses and deposits into the account for the past 3+ years have been direct deposited, tax free into that account. Compass Bank was recently acquired by PNC Bank and I made the decision to close all of my accounts and change banks. Due to the nature of HSA accounts these funds can not be withdrawn without tax penalties. They need to be rolled over into the new HSA much like rolling over a 401 ( k ) account to avoid paying these penalties. I requested the account to be transferred by Compass prior to their transition to PNC. I was informed by the banker I spoke with that the account was inadvertently opened as a regular checking account and not as a HSA account. His suggestion was to wait until PNC took over and to address the situation with them. Since then I have worked relentlessly with PNC to have the account converted to an HSA account and to roll the money over to the new HSA with the new bank. PNC has been very unresponsive and difficult to work with to resolve this issue. After multiple phone calls and follow up they finally contacted me and acknowledged the mistake but told me that there was nothing they could do and for me to take it up with the IRS. The tax implications could result in thousands of dollars of tax liability for me personally for a mistake that was made when the account was originally opened. I have requested a copy of the recorded phone call transcripts and a letter from PNC that acknowledges the error for my records in case I need them in the future. I was told they could only provide them if they were subpoenaed and required to deliver them. I realize that PNC inherited a problem that was created by Compass Bank but that does not dissolve them for the responsibility to correct the problem. I have all the statements from the day the account opened and can verify the deposits into the account were all tax free, direct deposits from my employer and that all of the withdrawals from the account were for medical expenses. I was always under the impression that the account was an HSA account until the day I requested the roll over. I look forward to the CFPB 's response and cooperation. 

The records of the people I have spoken with at both Compass Bank and PNC Bank can be provided upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a text message today from phone number ( XXXX ) XXXX that said Dear Customer, Your [ J. P M0RGAN ] Account is on hold due to odd actions being identified. Visit XXXX XXXX XXXX and update your details to solve I do not have an account with JP Morgan Chase XXXX The link brings me to an unauthentic Chase website at the following web address : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will 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
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX Florida ( Previously XXXX XXXX  XXXX Florida ) had been charging me rent after my departure. I broke the lease, but following my departure tenants had signed the lease for the same unit, meaning XXXXXXXX XXXX was charging the following tenant AND me at the same time. The amount is {$9100.00}. 

The account was then sold to the debt collector Aldous and Associates and put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX XXXX Balance {$4900.00}

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to all XXXX credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reached out to all XXXX credit reporting agency XXXX XXXX 2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knowingly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Company response to consumer: Closed with explanation