vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-05 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: TN

Complaint narrative:
Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately.

Report Number is XXXX from XXXX  Credit Report Reference : Reference # 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 2020-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I opened an account at the US Bank Branch at the XXXX XXXX branch in XXXX, WI. She opened the account for me and the next day the account was on hold and then closed. I was told to talk to the branch manager at the location and I did, he told me that " we choose who are customers are '', meaning this is XXXX and judgmental, because I am white, I am not allowed to bank at US Bank. I feel like this comment is a violation of my right as a customer and the fact that I was judged based on who I am as by race. 

I also was a customer for long time prior to this, and I don't owe the bank at all. I would also never given a reason to why the account was closed.

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 2020-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Someone is using my identity applying for credit and I have a lot of inquiries in my credit profile and I dont know how I got them on there. My social security card and wallet was stolen. Thats an issue. I need to dispute the inquires and they need t be removed. I need it to be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
This is in regards to my Target XXXX credit card. I made a payment on XX/XX/XXXX of {$100.00}, the amount cleared in my personal checking account on XX/XX/XXXX. However, Target XXXX has not reflected the amount to my credit limit availability. On XX/XX/XXXX, I called to speak with customer service representative, I did not receive an exact answer why the credit availability was not updated nor how long it was going to take to clear. But I was told that I can call my bank and conference call with Target to verify the amount? I did not have time to stay on the phone to do that. As of date it still not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I already disputed this charge with XXXX  XXXX through CFPB and this was resolved and dropped and not on my credit..I had transferred actual charges to another card and these charges were from Identity theft and fraudulent. You should have a record of this situation years ago. Now I am receiving collection notices from Resurgent and have replied through US mail and phone calls. I have spoken to them on the phone and written letters telling them all of these things and to stop calling me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have disputed the BANKRUPTCY account # XXXX with Experian on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. Experian continues to respond that the account is verified and the information is certified by XXXX XXXX XXXX XXXX XXXX. 

The account numbers reported through EXPERIAN as XXXX do NOT match the account number being reported on XXXX XXXX REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to XXXX XXXX XXXX on XX/XX/2020 and XXXX/XXXX/202 ( as instructed by EXPERIAN on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. XXXX continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, EXPERIAN, can simply get the account verified by another consumer reporting agency, in this case, XXXX, without any actual proof. 

I know for sure that XXXX failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that EXPERIAN is reporting is false and is also a violation of the FCRA. 

I sent a letter to the XXXX BANKRUPTCY XXXX in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

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 2020-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: IL

Complaint narrative:
XXXX  notified me of its credit bureau data breach where an unauthorized user accessed the names, addresses, social security numbers, date of birth and other personally identifiable information of XXXX XXXX XXXX customers stored on the XXXX  server. As a XXXX client for over 10+ years, I was directly affected by this breach and had to file a FTC ID Theft report. After reviewing my XXXX  credit report, I noticed an unauthorized loan from Upstart Network , Inc . I do not recall making such a loan transaction or authorizing a loan application to be executed in my name during the questionable period. UpStart Network previously removed the disputed account from my XXXX  credit report, only to have the trade line reinserted back into my credit report in violation of the FCRA. Further, UpStart Network has not provided me with any valid documentation to verify the applicant source or copies of the executed loan documents. This unverifiable information continues to report on my XXXX  credit report in violation of the FCRA even after the XXXX  data breach and my filing of the FTC ID Theft report highlighting my victimization from the data breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I already disputed this charge with capital one through CFPB and this was resolved and dropped and not on my credit..I had transferred actual charges to another card and these charges were from Identity theft and fraudulent. You should have a record of this situation years ago. Now I am receiving collection notices from XXXX and have replied through US mail and phone calls. I have spoken to them on the phone and written letters telling them all of these things and to stop calling me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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:
Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from XXXX Credit Report Reference : Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TN

Complaint narrative:
Hi, My name is XXXX XXXX. I am writing because though i have expressed many concerns with my credit report with the credit bureau, they have yet to remove this inaccurate reporting from my credit report. The following accounts are what's reporting in error : ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) I pulled my report and i know all accounts should be 100 % accurate, right. Well i found alot of things that are in violation of FTC. Please remove this account from my profile immediately. 

Report Number is XXXX from experian Credit Report Reference : Reference # 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 2020-04-05 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: OK

Complaint narrative:
Please be advised this my 2nd attempt in trying to resolve this matter. The SPECIFIC fraudulent accounts in question that were from the direct result of identity theft are 1. XXXX # XXXX, 2. XXXX  XXXX XXXXX. After reviewing a copy of credit report a couple of months ago, I realized I've become of victim of identity theft when I noticed several fraudulent accounts that were established without my knowledge or consent. I sent out letters to XXXX, Equifax, and XXXX   along with supporting documentation. I also submitted a identity theft report which included a detailed outline of the fraudulent accounts and addresses listed on my credit file. Equifax has failed to provide me with any accurate verification of the fraudulent accounts that are currently in dispute. It has been over 30 days and as of now my consumer rights have been violated under the Fair Credit Reporting Act. Equifax never requested a block within 4 days after being notified of the fraudulent accounts from my initial dispute ( 605b ) and continues to report them on my credit file which has caused financial burden as well as denial of credit from creditors. Equifax has failed to provide 100 % accurate verification as per section 609 & 611 constitutes. Equifax has also sent a vague or bogus response stating they were not able to locate a credit file After I provide a copy of my Driver 's License, Social Security Card, and utility bill which is unacceptable. Due to these numerous violations Equifax must be held accountable for their actions and remove the fraudulent accounts from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an XXXX year old retired person since XXXX & living in the XXXX of XXXX. I am a XXXX XXXX XXXX & a personal XXXX & XXXX client of Capital One since XXXX. I have used Internet to examine my monthly statements and pay my accounts, generall in full, monthly since XXXX - and have a perfect record of payments. 
XXXX, XXXX Capital One denied our entry into our Account Statements claiming we must have a XXXX digit telephone number & in my name, in the XXXX. On file, since XXXX was the telephone number of my son in Washington XXXX. Capital One argued my son 's number was now unacceptable, and ; my XXXX global telephone number was also - unacceptable. I therefore asked to have my statements mailed to me thru my billing address in XXXX, FL. which is also our Mail Forwarding Service. 
XXXX, XXXX it was obvious Capital One would not accept our XXXX XXXX number, which has XXXX digits, nor had they sent my statements by hard-mail. We continued, however, receiving Capital One monthly billing " notices '' by e-mail, though could not access our accounts.. 
Therefore, with XXXX 's monthly billing invoice by internet, on XX/XX/XXXX we paid, by XXXX Messenger all 3 due in XXXX, XXXX accounts in full, as was usual. XXXX has provided receipt for the delivery. Receipt copies provided to Capital One wherein Capital One received the XXXX payments on XX/XX/XXXX, XXXX signed by mail room XXXX XXXX XXXX XXXXXXXX XXXX 
RESULT. Even providing Capital One with all documentation and evidence, still, Iin XXXX, XXXX, Capital One reported late notices with the Credit Reporting Agencies - resulting in a XXXX point reduction in our report. Capital One to Auto-pay from our XXXX Bank full balances of any charges-monthly. 
FURTHER : Capital One still has not provided us either access by internet, nor hard copies of our statements from XXXX, XXXX - to the current writing of this complaint XX/XX/XXXX. 
WE WANT : Internet access to our accounts for accounting purposes, or a minimum of the statements by hard-mail, and ; Capital One correctly report the XXXX, XXXX payments were erroneously reported by Capital One - as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There's a factual inaccuracy on my credit report showing a balance of {$12000.00} but this debt has already been sold so it should be presented as a zero balance since the debt has been sold and off their income sheet. 

Furthermore, they are presenting false Account Number as # XXXX this direct violation of Section 609 ( a ) ( 1 ) : Information to be disclosed : Advisory Opinion to XXXX XXXX XXXX ) stating : " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. '' They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2020-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I was XXXX  from XXXX  consumption at a friend 's house for a get together on XX/XX/XXXX. An ambulance was called and I was picked up and brought to an emergency room and stayed for a few hours before being sent home. The ambulance company apparently sent the bill to the address they picked me up from and not the address on my license. I never received a bill due to this error. 

Months later, on XX/XX/XXXX, a resident at the house that the ambulance picked me up from let me know I had mail addressed to me at their home. I thought this was very strange and gave them permission to open it. They then sent me pictures of a " Notice of Default '' from a collection agency for my bill, it stated that the bill may be reported to the bureaus if it was not paid in 45 days from the date they first received my account from the ambulance service. 

I then called the ambulance company and informed them of their error fearing the impact on my credit since I never received a bill from them, never received a notice of my bill being sent to collections, and very luckily had the resident notice my name on a piece of mail at their house. 

I was told over the phone by their billing department that they would take 20 % off if I paid in full that day. As soon as I was about to pay over the phone the operator said she had to check with her supervisor to make sure I got the discount and she would call me back. She called back later to inform me that she could not give me a 20 % discount and corrected my address so I could receive the bill and get my invoice number to pay. 

Once I received the bill from the ambulance company at my address, I noticed I had a payment due date of XX/XX/XXXX. I then went to their website to pay. I started a payment plan with the first payment for my plan starting on XX/XX/XXXX. 

I received a credit score notice from XXXX XXXX for my credit report on XX/XX/XXXX. This stated I had a derogatory mark from the collection agency which was for the full amount left on my bill. I was under the assumption that paying my bill to the ambulance service would solve my issue. Apparently, the ambulance service did not inform the collection agency that they made a mistake of my address. 

Apparently, the collection agency opened it on XX/XX/XXXX, way before I was even informed of a bill, the bill being sent to collections, and a " Notice of Default '' from said collection agency. This derogatory mark was for the full collection and did not show my payment from XXXX as well. All because the ambulance service sent the bill from the location I was picked up from instead of my actual residence on my license and did not inform the collection agency of their mistake after they sent the bill to the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: FL

Complaint narrative:
I HAVE A SEVER XXXX XXXX AND NO ACCESS TO EQUIFAX OR XXXX. Documentation of request options for my XXXX TO NO AVAIL. My letter XX/XX/XXXX to Equifax requesting VERIFICATION OF ORIGINAL WRITTEN DOCUMENTATION TRANSACTIONS PURCHASED BY ME DELIVERY ACCEPTANCE SIGNATURE OF DELIVERED INTO MY HANDS. Proof XX/XX/XXXX EQUIFAX RECIEVED THE BELOW : XX/XX/XXXX USPS. case # XXXX CRIMINAL INVESTIGATION OF DELIVERIES NOT DELIVERED AFTER XX/XX/XXXX. 
XXXX XXXX CLAIM dated XX/XX/XXXX XXXX XX/XX/XXXX FRAUD OF {$470.00} UNAUTHORIZED TRANSACTIONS INVESTIGATION TOOK 10 MONTHS TO COMPLETE. FTC Ideninity Theft case XXXX dated XX/XX/XXXX. IT APPEARS STATUTES ARE IGNORED BY EQUIFAX AND XXXXEquifax Confirmation XX/XX/XXXX XXXX XXXX DID NOT CORRECT THE ISSUE. I was DENIED CREDIT DUE TO INCORRECT CREDIT REPORTING. THIS IS ID THEFT. XX/XX/XXXX see attatched. I followed ftc guidelines BANK AND CRA DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted TransUnion and XXXX numerous times to tell them to please remove my XXXX student loan from my account. This student loan was co-signed with my father. He has filed for Bankruptcy and this loan was discharged during bankruptcy for him and myself. It should no longer be on my credit report. XXXX no longer has any information about this account because it was discharged during my father 's bankruptcy, which is no fault of my own. As such, the account should be removed from my credit report and should not be put as discharged on my credit report because it was discharged because of my father 's bankruptcy.

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