vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
approximately in XX/XX/XXXX i applied for credit through my local credit union, XXXX XXXX XXXX XXXX XXXX, and was denied credit due to bad credit bureau reporting from all three credit reporting agencies stated my loan officer from XXXX XXXX XXXX XXXX XXXX. my complaint is that the bad credit still looms with my recent free report from Experian. I am looking for help to improve my credit rating even though our student loans my have fallen behind in past years. The problem still follows me and am not able to get credit because of student loan delinquency in the past. Please help. 

Thank you 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 2018-01-17 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: AZ

Complaint narrative:
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

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 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I wrote a letter to Procollect asking to verify and validate the debt as it is my per the FCRA. it seems as if no investigation was carried out. they sent me a letter back " typed word document '' that simply said I owe XXXX dollars demanding that I pay immediately. I then called and asked questions on having the correct documents sent to me they need to have on file to collect a debt from me per the FDPCA ad the FCRA. 
after being hung up on twice I was finally told by the supervisor that the do not have the documentation. But they continue my try and make me pay and its on my credit report. 
they are In violation of federal law.

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 2018-01-17 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX has told me they performed a " scrub '' of bankruptcies in their records and incorrectly noted on my account that it was discharged in a XX/XX/XXXXbankruptcy. The information is incorrect. My bankruptcy was discharged on XXXX and the XXXX, known as XXXX at the time was on the unsecured creditor list on my bankruptcy petition filed XXXX. I 've contacted both XXXX and XXXX where the item is listed as a negative factor on my credit report impacting my credit approval for a mortgage loan. XXXX XXXX admitted the error but has informed me that I am the one who needs to make it correct when I did absolutely nothing wrong. I do not have this problem with the other unsecured creditors on the petition. XXXX XXXX would not resolve the problem that they corrected through multiple phone calls and have told me I have to mail in the claim/dispute with my supporting documents when they have told me they are aware that I am correct in that the items should show as discharged as part of an XXXX discharge, rather than a XXXX discharge showing on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has 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 2018-01-17 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: VA

Complaint narrative:
I received 2 hard inquiries from XXXX XXXX XXXX, which I did not authorized. These 2 inquires appear only on my Equifax report. The first occurredXX/XX/XXXXXX/XX/XXXX and the 2nd occurred more recently XX/XX/XXXX. As you may or may not be aware, Equifax has had a recent information data breach. So contacting them and attempting to remove anything is futile. I thought this had been handled last year after I had requested a 90 day freeze for every 3 months last year. Unfortunately, this appears to be a pattern of bad behavior on Equifax. I am trying to restore my credit and this type of behavior and malignant pattern is affecting it greatly causing my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
My bankruptcy was discharged on XX/XX/XXXX and One Main Financial was included in the debts that were discharged.  They sent an email on XX/XX/XXXX about the debt but the email was for informational purposes only ( per their statement ). I called them on XX/XX/XXXX and told them to stop sending me emails because the debt was discharged. 
On XX/XX/XXXX I received a letter from One Main Financial dated XX/XX/XXXX about my accounting activity and having a Principal Balance as of XX/XX/XXXX of {$4400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Looking at my credit report on XXXX XXXX 2018 I saw an account in collections and I never gave any company the right to share my information whatsoever. The account is for {$530.00} which is listed on my credit report as account # XXXX. I sent a letter to the agency today on XXXX XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know who this company is and never received any letters from them. They are in direct violation of the FCRA ( Fair Credit Reporting Act ) and the FDCPA ( Fair Debt Collection Practices Act ).

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 2018-01-17 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: U.S. BANCORP
State: PA

Complaint narrative:
I have a credit card through elan financial. 4 payments have been made on my account by another party totaling XXXX ( approx. 1. 1400, 2. 2900, 3. 9800, 2. XXXX ). This occurred over the period of a month. I called after the first one and the removed it add applied in error, but then another appeared, I again called and this time changed my account number. Then two more payments appeared, they said the account number change did n't matter since they forward it for a year ( which I should have been told in advance ). Now I ca n't make my normal payment because it does I 've over paid ( my balance was less then 200 ). One they find where these payments belong and I can finally pay I 'm going to be charged for finance charges because of there mistake ... Also the amount of the payments seems like money laundering but they have ignored my repeated calls.

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 2018-01-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has 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 non-monetary relief
Consumer complaint received 2018-01-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
This company has repeatedly attempted over the past 8 years to collect on a debt that is more than ten years old according to there own records and simply harass me when I asked to see proof of the debt. At the time I was certainly sure I had blue cross. I also was the victim of id theft on three credit cards and my social security card along with my id taken from a XXXX in XXXX. 

Nevertheless, I have asked this very aggressive company to provide proof of the debt and the have only threated to call my work if I did not begin to make payments. " My other number ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
My home building contractor and I received a utility bill from XXXX XXXX XXXX which had a total balance due of {$26.00}, however when I logged in to pay it showed a balance of {$430.00}. I called to sort this out, and according to the bill I had in hand and also the one that they had in their system there was a credit of $ XXXX in the " other Charges or Credits line item. The previous statement balance was {$400.00} which with the credit applied equaled {$26.00}. For some reason the system was adding the previous balance and current balance together for the current total. The person on the phone stated they saw the discrepancy and would look into it, but it required getting in touch with someone who was not in the office, so they said they would call me back once they did some digging/resolution. I never received a call back, but instead received a collections letter. On top of all of this they originally sent the bill to the wrong address in a town 80 miles from where I live. I disputed the collections, and they sent me a letter again saying the charges were valid with a copy of the bill that had a total charges due of {$26.00}. At this point I feel I do not have enough evidence to verify the charges they are claiming. I would like to file this complaint on both XXXX XXXX XXXX, and the collection agency 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 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate 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 2018-01-17 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: NJ

Complaint narrative:
XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX, I noticed three consecutive unauthorized charges on my account from that date. The first was to XXXX XXXX DVRS ( a known fraudulent charge ) for {$10.00} from XXXX XXXX, Florida. The next two were both to XXXX XXXX in XXXX XXXX, New York one for {$67.00} and the other for {$200.00}. I contacted XXXX XXXX immediately and had to talk to 3 different people and was told there was nothing that could be done at that time as the charges were only pending but I could contact the companies responsible for the charges and have them reversed. I contacted XXXX first and was advised they had no record of the charges in their online system. They were charges made at a retail location and I would need to contact my bank to have them removed. When I called the number XXXX XXXX provided for XXXX XXXX, I was advised that this number was no longer in service. I contacted XXXX XXXX again on XX/XX/XXXX regarding the charges again. The two charges from XXXX were no longer pending and I was advised they could be removed if I called back once they were not pending. This time I was told all they could do was issue a dispute and I would not get my money back but they would issue me a new card at no charge. They charged me {$5.00} for the card and no dispute was submitted. I called again on XX/XX/XXXX and was told to stop calling because I was responsible for all the charges because I gave someone my card and I would not receive and credit or a new card and my old card was now cancelled so I would have no way to access my funds going forward unless I transferred them to another account and paid a fee to do so every time. I am out the {$280.00} stolen from my account plus the {$5.00} and have lost several hours of work trying to get this resolved. I also am in Ohio and have been the entire time these charges were made which should tell them that I could not possible make it from XXXX XXXX, New York and back to Ohio to call and dispute the charges or even make the other charges on my account in my area that same day. The representative named XXXX advised me that I can not give people my card and then dispute the charges just because I do n't want to pay for them. When I told her the card was never out of my possession and I did not authorize anyone to use my card. She told me " Yeah right. That 's what they all say ''

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