vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-11 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: SC

Complaint narrative:
I have explained to TransUnion that I have been a victim of identity theft & they are reporting accounts that are not mine. I have sent in the requested documents that they have requested several times ( social security card, Drivers Licensce, police report & identity theft report ) After submitting this information they continue to report these fraud accounts. I am asking again to delete these fraud accounts XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX XXXX, XXXX? XXXX. The address XXXX XXXX & XXXX XXXX XXXX I have never lived there & explained that too they say they will review but it remains on my report. I have been in several breeches ( XXXX XXXX XXXX ) & my information has been used fradugently. I never applied for anything with XXXX, XXXX, XXXX XXXX, or 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 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm placing a freeze on my credit with all three agencies - two of the three -  XXXX and XXXX had the freeze in place online in a matter of minutes. Equifax is throwing up consistent roadblocks. First, upon initiating the account setup on XX/XX/2019 Equifax prevented me from logging in - claiming I needed to wait for a PIN in the mail. After receiving the PIN on XX/XX/2019, entering it and seeing the appropriate confirmation screens Equifax still prevented login and forced me to call an online help number. After ~40+ minutes on hold and several minutes on the call the support person sends a password reset link which requires me to wait another 24 hours to be able to attempt to log into my account. The support person then claimed he could implement the credit freeze but then after more time waiting came back to say he would require additional documentation through the mail. This experience makes it clear Equifax does not wish to comply with either the letter nor the spirit of the Credit Freeze legislation by placing multiple roadblocks at every step - hoping consumers will jut go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have XXXX car loans that have been paid on time for XXXX years that are not listed on my report. I also get marked down for using my credit card, sometimes my score goes down and it says because I did not use enough credit available and sometimes it goes down and states that I used too much of my available credit. It seems that transunion only screws us, never giving good credit for good activity. My car loans are both missing from my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I was the victim of a crime. Fraudulent charges were made on my card for around {$4000.00} XXXX XXXX and his sister XXXX XXXX threatened to kidnap my children, forced me to give them my information, and forced me to make these purchases for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

Equifax credit reports refuses to take this charge off of my credit report, as the collecting agency, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CORELOGIC INC
State: MD

Complaint narrative:
Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me 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 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
I incurred a medical charge to XXXX XXXX in early XXXX in the amount of {$70.00}. At the time I was living on a boat and getting mail at the marina. 

In XXXX of XXXX I moved to land, and not all of my mail was properly forwarded. I never went back to XXXX XXXX, and I learned of the charge the following year. 

In XXXX of XXXX, I sent XXXX XXXX a check in payment of the charge in the amount of {$70.00}. This check was cashed by XXXX XXXX in payment of the debt. 

XXXX  credit reports refuses to take this charge off of my credit report, as the collecting agency, TSC Accounts  Receivable So, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, ( XXXX ) XXXX claims that I still owe XXXX XXXX {$90.00}. This claim is false, I paid the charges in XXXX of XXXX and my check was cashed by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I have a remaining balance on a leased XXXX  XXXX XXXX. The account has never had a late payment in 3 years. The final payment went 33 days past due and the negative mark on my credit impacted my score more than 50 points. I anticipated to resolve the issue immediately, as I have never been past due. I contacted American Honda Finance to resolve the issue, and the automated phone directed me to a collection agency. I asked the agency specific questions about the account such as " is this agency handling the credit reporting of my account '', they claim they are not. I attempted to contact American Honda Finance again, and was able to speak to a customer service representative. He tried transferring me to the finance department to agree on a solution, but the call was not transferred. Instead, he told me the finance department refuses to speak to me as they are no longer the credit reporters of my account. Simply put, American Honda Finance claims they are no longer speaking to me because they are not the credit reporters and the collection agency they hired are making the same claim. This practice is unfair to consumers and should be unlawful. Finance companies should not be able to have such an impact on credit worthiness if they refuse to resolve the issue and come to an agreement or solution that benefits both parties. My credit score will continue to be impacted until American Honda Finance speaks to me. I am asking for a full summary of this situation. An explanation as to why American Honda Finance is  falsely claiming they are no longer the credit reporters of my account and a full good will adjustment, as the negative marks on my credit inaccurately reflect my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: IL

Complaint narrative:
I contacted Equifax several times without any resolution. I have explained that I am a victim of identity theft. I sent them my ID, police report & identity theft report & the accounts that I have explained are fraud accounts they ignore my request. I am asking that the following accounts be deleted as they are not mine, I did not open & don't know who did. THESE ARE FRAUD ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( several accounts ) & XXXX XXXX XXXX XXXX two accounts ) & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
The amount of the debt this company claims I owe has been changing every quarter. The details for the debt says that it was created in XXXX of XXXX but previous to XXXX, it said XXXX of XXXX. I have tried contacting them years ago to verify the source but they were unable to give me any details. I am not even sure if this is supposed to be mine because I've had medical insurance for many years and my company has no record of any attempt to charge my insurance. Regardless, they have been resetting the clock every quarter and refuse to discuss any details so I've given up on that but now they continuously reset the debt and therefore the clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: MS

Complaint narrative:
there are inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines

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 2019-08-11 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: KeyBridge Medical Revenue Management
State: MI

Complaint narrative:
On XX/XX/2019 I was a victim of identity theft and had to file a police report and start looking into my credit reports. Upon doing this I had found 3 collection accounts belonging to KeyBridge Medical Revenue totaling {$170.00} that I was unaware of and thought were paid through my XXXX XXXX. Immediately contacted Keybridge and paid these 3 accounts off in full and received a letter from them showing they were paid. I spoke to all 3 credit agencies ( XXXX, XXXX & XXXX ) XXXX & XXXX removed the collections from my credit file upon faxing the letter from KeyBridge to them showing the accounts were satisfied in full. after dozens of phone calls, disputes and letters, XXXX is REFUSING to delete these 3 collection reports from my file. I wrote two goodwill letters one to KeyBridge Medical and one to their President XXXX XXXX asking to please remove these collection accounts that have been paid with NO RESPONSE! 

I have placed 2 calls to XXXX XXXX who is a customer relations person and left 2 voicemails with no return call or response of any kind. I am applying for a mortgage and this will severely impact my application. If they are PAID why do they have to remain for 7 years on XXXX and not the others?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
In XX/XX/2019 the loan servicing company increased our monthly mortgage payment from {$2000.00} per month to {$2900.00} per month. Loan servicing stated that this was because of an escrow shortfall. 

It is apparent to me that the loan servicing company miscalculated the previous year escrow withholding by underestimating the property taxes. This has placed us in an extreme financial burden situation.This raised our monthly payment by {$840.00}. This was unplanned and we were caught unaware. 

I contacted the loan servicing company and the basically stated that it is what it is, pay it. We have paid this every month through XX/XX/2019 but can not continue to do so. This could result in the mortgage defaulting and foreclosure if the loan servicing company will not offer a more amicable payment solution.

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 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian will not allow you to freeze and unfreeze your credit unless you pay them. I should not have to pay to have that done. I have paid before and now when I try to log in it will not let me do anything until I enter credit card info to pay for their service. I filled out the form and it said they could not verify my information I had to call. This is happening EVERY TIME I TRY TO LOGIN TO MY 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 2019-08-11 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: TN

Complaint narrative:
I submitted disputes to Equifax and XXXX two of the three credit reporting agencies to let them know that these accounts of bankruptcy in the public reports se action of my credit report were not mine and they stated that they completed an investigation and stated these accounts were verified as mine and I asked for proof of these investigations and how these investigations were conducted and verified in which they failed to do without going to a courthouse that these papers were claimed to be filed in. so I would like these accounts removed from my credit reports from these agencies at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-08-11 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: UNITED ONE RESOURCES, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: Yamaha Motor Finance Corporation USA
State: MD

Complaint narrative:
Upon reviewing my credit report with all three credit bureaus XXXX, XXXX, and XXXX  I noticed multiple inquiries that I did not authorize. I have tried to contact each creditor and dispute these unauthorized inquiries but have had no professionalism or legitimate reason why these inquiries remain on my report. I challenge these disputes back in XX/XX/2019 and XX/XX/2019 but they never removed the inquiries that weren't authorized by me. These inquiries are damaging my report. Can you please help me remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: MS

Complaint narrative:
there are inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines

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 2019-08-11 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: MS

Complaint narrative:
there are inquiries on my credit report that is fraudulent and there are ssn on my credit report that is not mines and names on my account that is mot mines and accounts that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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: DISCOVER BANK
State: FL

Complaint narrative:
I previously notified DISCOVER FINANCIAL SERVICES LLC on XX/XX/2019 that I am a victim of identity theft, and requested that they Close the unauthorized account, Remove charges of {$6500.00} on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company. I did not open or authorize this account, and I requested that it be closed immediately. They did not send me written confirmation that I am not responsible for charges on this account, and did not take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's not my accounts, I don't have any contracts with this companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-11 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: CA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX XXXX - XXXX, XXXX   XXXX XXXX, XXXX XXXX and 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