vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I discovered upon XXXX credit report that i am being charged a duplicate medical bill created upon same day. When attempting to call the creditor to resolve the situation i was spoken to in hostilities and had phone hang up in my face. The account reads as ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX ( original creditor is XXXX XXXX XXXX ). I had medical insurance in any event. This account is duplicate to ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX. I contacted the collection agency at XXXX who was a XXXX female providing the most disrespectful tones and hostilities against me the complainant. I do not owe this duplicate bill and it is unfair as well fraud. In fact the XXXX representative would not produce any evidence of any detail reasoning for any the the two duplicate unfair debts. I hope to get this resolved as it has damaged my credit status.

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 2020-07-29 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:
Experian is willfully refusing to investigate and remove fraudulent items on my credit. 
They are not knowingly reporting items that have been identified as fraudulent by police report with items listed, cfpb report, notarized statement and all required identifying documents my identification, social security card and driver license. This information was initially submitted to this company on XX/XX/2020 via certified mail and on XX/XX/2020 via CFPB complaint. Company claims that appropriate information hasn't been provided. I have provided all required documentation and Experian is using stall tactics to not follow the credit reporting rules. I have attached all evidence as it relates to this case as well as a complaint to the Attorney General and the 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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: WA

Complaint narrative:
My spouse and I opened a credit card [ ELAN Financial ] in XX/XX/XXXX,  then we went through a divorce inXX/XX/XXXXand the judge divided our debts. This credit card debt was given to my ex spouse, but she neglected to pay it. However, I did not receive any communication from the credit card company or debt collectors as it was under my ex 's name. 

After I saw that this debt was affecting my credit in XX/XX/XXXX, I have repeatedly tried to contact the collection agency [ ELAN XXXX XXXX, XXXX ] but they refuse to discuss the issue with me as I don't have two pieces of identification. They have my name and my SS number, but that is not enough to them to even discuss it with me. My ex lives in XXXX. She says she has contacted the agency and requested that my name be taken off the debt, but nothing has changed. 

This account was closed in XX/XX/XXXX ( I believe ) but the debt keeps showing on my credit reports and affecting my credit very poorly.

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 2020-07-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AL

Complaint narrative:
I filed a complaint with Experian credit reporting agency regarding an credit card which was closed in XX/XX/XXXX due to me filing bankruptcy. 

In XX/XX/XXXX, the creditor reported the account again as if it made an update or change to the account status which decreased my score by 21 points. 

The account status should not have been changed because the account is in active bankruptcy and no payments have been missed in the bankruptcy which mean no updates should have occurred on the account. 

However, Experian supposedly disputed the item given me until XX/XX/XXXX to complete it. On XX/XX/XXXX, I received an alert from Experian stating the investigation was complete. My score went back to the previous score. Then, within an hour, it went to the negative score and did not give me a reason why it changed again and now I can not dispute it again.

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 2020-07-29 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: Equidata, Inc.
State: FL

Complaint narrative:
I just Check my Credit and I notice some fraudulent Activity. I have  Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation

Company response to consumer: Untimely response
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX  refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted XXXX XXXX XXXX numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, XXXX XXXX XXXX refuses to show the account as included in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: MN

Complaint narrative:
There are 5 things reported in my credit report to Equifax that are fraudulent claims. I have provided proof many times over the last year, most recently again in XX/XX/XXXX, yet Equifax takes only days to " investigate '' and never gets verification of any such debts reported from the companies or otherwise. When I spoke to them I was told " we just call the credit company and ask if its valid '' then they verified " we do not get or have documentation of the debt ''. Examples are 2 XXXX XXXX policies that I personally closed myself and nothing was owed as I switched companies. Equifax has not been able to provide any proof or from XXXX of the report to my credit as any valid debt and I know is fraud. Additionally, there are 3 claims from the XXXX XXXX XXXX but I was only there on one day XXXX, XXXX and have provided proof to Equifax that my insurance and XXXX paid in full that one bill. There were not three seperate dates or charges there. Even with proof, Equifax did not take it off nor verify with the collection agency or institute. Equifax refuses to obtain any proof of claimed debt and does not accept the paperwork directly from my insurance company and the XXXX payment verification from XXXX too. This verifies my debt paid! Equifax does not validate or correct any of the information and simply keeps it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$110.00}

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 2020-07-29 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Please see attached letter and documentation for detailed explanation. Company has, without warning or justification, closed my account, and offered no recourse to this action.

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 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
Company has placed account on my credit report that clearly does not belong to me. The individual who the account belongs to is clearly a minor and had both primary and secondary insurance on the date of service.I contacted the company in XXXX about the account but did not provide them insurance information over the phone. I sent over my insurance information VIA CERTIFIED MAIL in which they had ample enough time to file it to my insurance and get payment before the claim would deny for timely. I have contacted this company several times to get this matter taken care of but they refuses to do their job. I have contacted My insurance company as well. If this company would do their jobs properly I would not be receiving a bill neither would this account be on my credit report. They dont speak a tap of English and I believe that they have no knowledge of how insurance works. They also told me that they received my insurance cards VIA CERTIFIED MAIL but did not file to my insurance company. I had to call them in order for it to get filed and then they tell me that it denied for timely but clearly if they had done their job when first received VIA CERTIFIED MAIL they could have gotten payment from the insurance. Its clearly not my fault that someone at their company dropped the ball on this account. They should be eating this bill!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
This is my second complaint with ACIMA. Back in XXXX I spoke with agent who advised me that if I paid {$800.00} I can keep services with them. They advised that if I settled the account then they would remove the tradeline from my report. At that time, my settlement offer was {$400.00}. I called and settled the account for less then {$400.00} and was told that the tradeline would not be deleted in XX/XX/2020. I received a letter stating that they listened to a call from XX/XX/2020 and was advised that the tradeline would not be deleted. They have failed to address the phone call from XX/XX/2020 where I was told that if I settled the account the tradeline would be deleted. The account is closed and there is no balance, however this account is hurting my credit score. They have reported a late payment for XX/XX/2020 so at this time they are reporting inaccurate information on my credit report and are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC does not allow transactions with companies that use XXXX the mobile transfer service. I have a lot of money in two different apps and I am unable to access it via my checking account due to this issue. The third-party apps insist the bank must make this change, yet the bank blames the apps for using XXXX. 

I did not know I could file a complaint about this issue, but one app XXXX   suggests its users contact the CFPB. 

Thank you for reading, and please help customers like me who are having this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2020 we proceeded to buy a used car through XXXX XXXX. Without problems we unlocked our credit information with XXXX  and XXXX. Equifax, however, did not immediately respond with unlocking our info, and I had to repeatedly navigate through their interminable menu ( providing the same personal authentication information several times ) before our credit information was provided to XXXX XXXX. 

Shortly after this we began communicating with our bank to consider refinancing our home mortgage. Again Equifax proved impossible to deal with. I have through their website changed my account password numerous times and when trying to log in, each time I'm told that the information I provide doesn't correspond with their info -- this, immediately after I've changed the password and clicked on " Log In. '' Likewise I was unable to unlock my credit information by telephone. I tried several provided phone numbers to no avail. Eventually the loan officer at the bank gave me a number, then another different Equifax number, and eventually I was able to unlock. But it took numerous attempts ( I estimate 9-12 times ) before success.I will now provide the most recent letter I received ( dated XX/XX/XXXX ) indicating that the password change has been successful. No, it hasn't been successful as of today ( XX/XX/XXXX ). 

Today I finally got through to a live individual in telephone customer service whom I asked to help while I was actively on Equifax 's webpage. After asking for personal information which Equifax should have had for years ( date of birth , street address, etc -- " In order to fill in some blanks on your account '' ) I was placed on pause -- and after about 4 minutes the call was dropped and I was transferred to an automated survey on how well Equifax does. I have not received a follow-up call from the same individual or from someone in his department to complete the correction process. 

I want to complain about the sheer resistance Equifax has shown toward customers and its failure to improve its customer service. To date I still can not access Equifax or my.equifax.com and must do so only by telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPCY DISMISSED XXXX {$0.00}

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 2020-07-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPCY DISMISSED XXXX {$0.00}

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2020 US Bank sent me a letter letting me know that they have elected to close my personal credit card and my business credit card. The only other information provided was the name and phone number of someone who worked there for more information. 

I called that number, and I was told that MONTHS AFTER i voluntarily chose to close my personal checking account, they chose to do a review, and because of that review, they have chosen to close my credit card accounts. I asked why they needed to close my credit card accounts, especially since there is nothing wrong or illegal in me closing my personal checking account. The individual who i talked with over the phone from US BANK said that that is all the information they are given, and if I wanted more information, I would need to mail the Office of the President, so I did. 

When i received a response from The Office of the President, a few weeks later, they reiterated the same information that I already knew. They said that they can't share what the review findings were, but that they are in their right to close any accounts they see fit because it is in my card member agreement for my credit cards. 

I have never been late, delinquent, or have missed payments. I still don't know why my accounts were closed, and it is frustrating to try and get an answer from US BANK. After this occured, a few weeks later I applied for a Business Credit Card, and was denied. Part of the reason was the following : " Credit obligations with us have been delinquent ''. I have never had any delinquencies with them, and US BANK has chosen NOT TO TELL ME what has made me delinquent. 

This behavior by US BANK is unfair, and inappropriate. I get the feeling that because i chose to close my personal checking account months ago, they retaliated by closing my credit cards, and making sure i never receive any of their products again.

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