vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
On XXXX, account assigned to attorney, collection agency add a derogatory mark on my credit report per XXXX XXXX Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name Credit Reporting Agency are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26 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: U.S. BANCORP
State: MD

Complaint narrative:
US Bank is saying that I have a credit card with them and I donot I try o get US Bank to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.US bank saying it have been open for six months. never been use

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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I experienced identity theft early this year. I have a inquiry on my EQUIFAX from XXXX. 
EQUIFAX received my letter XX/XX/XXXX. I just checked my credit report, and that inquiry is still on there. 
I disputed that and I also disputed a incorrect name variation : XXXX XXXX XXXX My name is XXXX XXXX XXXX Please help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: IL

Complaint narrative:
I received a {$15.00} prepaid debit card from a rewards company. I had about 8 months before the card expired from when I originally got the card ( summer 2020 ). Today, the card is expired and I called to get a new card with my original {$15.00}. I called the company and they said this was not possible. I told them this is required by law, and they ignored that statement. I was told to use XXXX to activate my card. The company is clearly trying to take as much money as possible from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
On XXXX Creditor Contact : Not Available add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26 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: MA

Complaint narrative:
On XXXX, XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26 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: MA

Complaint narrative:
On XXXX, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have made attempts through chats, emails, and phone calls to make them fix their error, and we just keep going in circles. When I try to dispute any item on their website they have placed a block that stops me from disputing, they tell me to call their phone number. I call and I'm told they can't talk to me. This is nothing more than a scam against a consumer from getting the truth, and it's frustrating as XXXX. Many years ago, I filed for bankruptcy, and everything went according to plan, as the other three credit bureaus don't have the same errors. Experian continues to claim that my mortgage with XXXX XXXX was part of the bankruptcy, which it never was, I have tried to explain this to them through chats, emails, and phone calls. I have had this mortgage and have made payments since 2013, all the other credit bureaus reflect this. Here is what I want them to do : 1. Fix the XXXX XXXX Mortgage, it was never part of bankruptcy. Add the correct information of the mortgage to my credit report. 
2. XXXX XXXX was never part of bankruptcy, it was my auto loan and I paid the car off in full. They need to correct this to reflect that. 
3. Remove any block they have from me disputing credit items, this is a scam. My next action will be to seek legal damages, I'm sick of this game. 
4. Consumers need to be given more power, Experian is a perfect example of a company that has no regards for the consumer, it's time for the government to intervene and allow consumers the right to sue when corrupt companies like Experian continue to run unregulated. 

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 non-monetary relief
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Services calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26 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: MD

Complaint narrative:
XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use

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 2021-09-26 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: MD

Complaint narrative:
XXXX XXXX is saying that I have a credit card with them and I donot I try o get XXXX XXXX to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.XXXX XXXX saying it have been open for six months. never been use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
On XXXX, Purchased by a another lender add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: KS

Complaint narrative:
In XXXX I asked for Regions Bank in XXXX to deduct and pay a bill to my landlord until XXXX. 

I was robbed in XXXX of XXXX of my wallet which had my credit cards and debit cards. 

I notified the police and Regions Bank in XXXX and I submitted a police report except one report was not completed. The bank refunded the charge on my card by the crook. 

I need the statements for court but Regions has not responded to my XXXX  letter sent to the headquarters for instructions.

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 2021-09-26 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:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XX/XX/21 I was seen in the emergency room but the treating physician. My health insurance is XXXX and for some reason this company didnt bill my insurance company and is choosing to emails me about the debt. Once I went to the emergency room and presented my XXXX at the point I know from my history of handling medical billing that I shouldnt be balanced billed or harassed with collect attempts. This scam company is notorious for going after poor, XXXX recipients and quietly adding charges on their credit reports. This company XXXX now XXXX XXXX is notorious for quietly adding bills on your credit. They shouldnt be balance billing or harassing XXXX recipients.

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 2021-09-26 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:
I did not consent to this negative and inaccurate to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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:
The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX  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 2021-09-26 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:
The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TX

Complaint narrative:
I submitted a dispute with equifax, XXXX, and XXXX  regarding a XXXX XXXX account. Equifax removed the account from collections and then added it back on and changed it to a charge off. They did NOT give me a notification within 5 days of this change. This is in violation of the FCRA. Additionally, XXXX and XXXX  have removed this account completely. This is now deemed inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: MA

Complaint narrative:
On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Crdit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband 's card on our account was hacked and used to charge two fraudulent charges : one for {$2400.00} and one for {$2000.00}. My internet account access also had the password changed. These two charges caused my card account to go almost {$2300.00} over my credit limit, but CitiCard approved the charges anyway. When I accessed my account online, which is when I found out my password had been changed, and the increase in my balance, a very strange thing happened. The fraud charges did not immediately show up although the increased balance was listed. I was confused as to what was happening, so I closed out of my account and reaccessed it. It was then that the fraudulent charges actually individually appeared on my account. I filed a fraud claim with them, but had A LOT of trouble doing so, as I talked to four different people before I could get a straight answer as to what was going on. One of them told me they could not access my account because it had been turned over to collection. I was later able to verify that this was not true. In addition, they refuse to remove these charges or even flag them in any way as fraud until the claim is settled, which they have told me could take 2 to 3 months or more. The charges occurred on XXXX, still appear on my account, and I have heard NOTHING from the Citibank Security/Fraud department as to the status of the complaint. These charges are also accumulating interest fees. In the interim, I froze my account ( of course ). Also in the interim, the fact that these charges continue to appear on my credit report is causing derogatory ratings on my credit reports. CitiBank has not been helpful in ANY way but instead extremely antagonistic, and once these charges are reversed and settled, I intend to pay off my actual balance and close the account. I do not do business with companies who feel it is acceptable to treat their customers this way, which I find extremely unprofessional.

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 monetary relief