vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 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: FL

Complaint narrative:
The consumer reporting agencies, XXXX, XXXX and Transunion must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back toXX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XXXX and XXXX ; and the one public record listed on Transunion. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.

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 2018-10-16 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: PA

Complaint narrative:
the credit bureaus are reporting a collection account on my credit file from XXXX XXXX. I have no knowledge of this account and it should not be reporting on my credit file. 

I was never sent a DV and when i tried disputing directing with the collection agency in XX/XX/2017 they were unable to provide me with an proof that this account belongs to me this account is not mine and should not be reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: IL

Complaint narrative:
this is not a duplicate request. 

on XX/XX/18 I received notice from Experian that I would need to produce additional information to prove that the chapter XXXX bankruptcy being reported was a result of identity theft, they also stated that all accounts that were previously being reported as apart of bankruptcy have been blocked due to my submission of all required documents including police and FTC reports showing I was a victim of ID theft, they then went on to say that it is not typical for bankruptcies and child support to be a result of ID theft. I have had the creditors included in this bankruptcy to perform investigation and they have concluded that the accounts were not mine or created by me but the bankruptcy that these creditors reported under are still reporting. Experian ask me to submit additional information. I have attached the investigation results from 2 of the creditors that were being reported under this bankruptcy on my XX/XX/XXXX credit report also i have included the letter from the courts which i presented my ID to get this information being reported, but was told there is none under my name and SSN #, and my police and FTC report, this is all I have that can prove that this is not my bankruptcy, please remove this case from my name as it continues to damage me. I have also included correspondence that I received from the " furnisher '' with them ( XXXX XXXX ) denying they have shared my information and that due to the ID theft it is still protected under suppression.

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My wife and I filed bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. The account we are having problems with is a private student loan that I was a co-signer on for XXXX  XXXX XXXX account # XXXX. This account was discharged in the ch. XXXX bankruptcy making myself no longer legally responsible for this loan, and No account balance or delinquency should be shown on this account on my credit report. The credit agency Equifax absolutely REFUSES to report this information correctly. Equifax is still stating that this account is delinquent and that a current balance is owed. Even though on XX/XX/XXXX, Equifax, sent me a credit file Confirmation # XXXX stating that they hired a third party vendor named XXXX, and that company determined that US Bankruptcy Court-XXXX Discharged this XXXX  XXXX XXXX account in a Ch. XXXX bankruptcy on XX/XX/XXXX Case # XXXX. The credit file also states that the account with Equifax has been updated to show that it was included in the bankruptcy and that there is no amount past due, no payment amount due, and no balance. Yet with all this information that has been provided to Equifax over the last 8 YEARS, multiple times, this company still ABSOLUTELY REFUSES to legally report what was ordered by a court of law. I have filed a complaint with the CFPB before on this matter, I have made several calls to Equifax, and I have also requested help with a credit repair agency. Enough is Enough. I want this situation rectified immediately. This company has illegally harassed me long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
XX/XX/18 I applied to a web page that pop up on XXXX that if I applied for this credit card I would get {$100.00} of a flight that I was booking. I applied and was approved with a credit limit of {$6800.00}. than the screen went black. I called the company and asked how will I know that the XXXX went through the representative said it will show up on your first bill. A few days later I call the company again Barclay and was asking about the charge for the tickets and about the {$100.00} credit. The rep said there wasnt any charges on this account. I said well I received confirmation of the flight how did I get the tickets if it isnt on the charge. Rep said he didnt know. I hung up and was trying to figured out what happened and thought maybe they charged my XXXX XXXX Card. Sure enough when I called the charge was put on my XXXX XXXX Card. When I called Barclay about the XXXX that I was suppose to get on the tickets he said I need to make a purchase again and they would apply the XXXX. I told him the whole purpose of me applying for the card was to get the {$100.00} off the tickets that I purchased on XX/XX/18. He said there wasnt anything he could do.

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 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Over the past 12 months, I have attempted to access my TransUnion credit score via the XXXX XXXX service offered to XXXX customers and via TransUnion.com However, I have been unable to access my information. I have contacted TransUnion and XXXX about this several times to no avail. My last communication with TransUnion on the matter ended with the phone agent telling me that I can not get a credit report from TransUnion because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called TransUnion 7 times and XXXX once on this matter already. 



Furthermore, recently I applied for a new XXXX credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that XXXX can not properly obtain my credit report information from TransUnion ( XXXX uses TransUnion ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of XXXX reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe TransUnion is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.

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 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have received repeated calls from Portfolio Recovery Services. I have reviewed my credit report and all of my accounts are current. I do not answer the calls as they are tagged as spam or fraudulent by my cellphone. These calls spoof different numbers. I block the calls and after a few months they start again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Around XX/XX/2017 I went to the hospital due to being injured at work. Which turned out to be workman comp. My company paid for the bill and later I end up with collection letters and statements saying I owe the money. I tried on several occasions to contact the hospital and they wont speak to me saying I'm a third party.My manager has shown proof that they were paid through workman comp.

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 2018-10-16 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: FL

Complaint narrative:
The consumer reporting agencies, XXXX, Exquifax and XXXX must correct or delete inaccurate, incomplete, or  unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

There exist two public records listed on my credit report that have not been verified by these agencies within the last 30 days. Each one is using old dates as part of their reference, dating back to XX/XX/XXXX and XX/XX/XXXX without either stating a verifiable source, such as the courts. 
Each of these bureaus are in violation of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute related to the two public records listed on XX/XX/XXXX and Equifax ; and the one public record listed on XX/XX/XXXX. 
These companies have failed to list their sources and confirm the source within the last 15, 30, or 60 days of receiving my prior dispute of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2018, I received a hard credit inquiry from XXXX which has affected my credit score. I called the credit reporting agency ( Transunion ) and they informed me that I will need to get documentation from XXXX. After an hour waiting, I spoke with someone from XXXX and they said I would need to speak with Transunion to start the dispute process. I called Transunion back and they refuse to do anything without documentation. Both parties refuse to fix this hard inquiry that I did not authorize and I am currently left with no recourse.

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 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On Tuesday, XX/XX/2018, I sent {$300.00} to an individual via XXXX for concert tickets. The concert tickets were never delivered to me. The person I sent the money to did not respond to any of my messages after the money was sent. I have a Bank of America account. After looking into my options online, this is my first recourse. I have never been scammed like this before, and I feel really dumb. {$300.00} may not be a lot to Bank of America or  a company like XXXX, but it is a lot to me.

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 2018-10-16 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: IL

Complaint narrative:
this is not a duplicate request. 

the Experian company continues to report a chapter XXXX bankruptcy that does not belong to me. all the creditors have done investigations and found that I was not the rightful owner of these accounts, these same accounts have been discovered to have been started under the very same address as this chapter XXXX case is reporting. I have attached the investigation results and the police report and FTC report showing that I have never resided at the address that this bankruptcy is reporting under. the XXXX and XXXX companies have since removed and found that I was not liable, however Experian continues to be in direct violation of the law and therefor damaging my reputation after being notified that what they are reporting under my name with this chapter XXXX bankruptcy is not valid

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I pulled my credit report and noticed that XXXX and Equifax were reporting a derogatory mark on my credit from XXXX XXXX XXXX. I sent a letter to XXXX and Equifax via certified mail ; disputing the validity of them posting this on my credit report and asked for verification that the debt was owed and that it was mine, as well as proving that I owed the debt from my wet signature and that all documentation be verified with my social security number, date of birth, address and phone number. XXXX wrote back saying they are unable to verify the information and that the information would be removed. It was removed from my XXXX report within 30days. Equifax simply responded by saying that the account was verified and that the amount was updated but the account would remain on my Equifax report. Per the FCRA, this is illegal reporting and is not considered verification of indebtedness by Federal or State statutes. We have been given specific instructions by our legal counsel, to file a complaint and send Equifax another Validation Letter before proceeding with a lawsuit. They have not been diligent in complying with the FCRA, Federal or State statutes and we seek to have the account removed immediately and an updated copy of the Equifax report mailed to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Over the past 12 months, I have attempted to access my XXXX  credit score via the XXXX XXXX service offered to Chase customers and via XXXX However, I have been unable to access my information. I have contacted XXXX and Chase about this several times to no avail. My last communication with XXXX on the matter ended with the phone agent telling me that I can not get a credit report from XXXX because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called XXXX 7 times and Chase once on this matter already. 



Furthermore, recently I applied for a new Chase credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that Chase can not properly obtain my credit report information from XXXX ( Chase uses XXXX ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of 750+ reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe XXXX is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I contacted XXXX XXXX XXXX in XX/XX/2018. I identified myself and indicated that I had called to pay my debt. The representative asked for my social security number and I provided it. The representative checked their system and indicated that I owed {$880.00} with the original creditor being XXXX   XXXX XXXX, which matched what had been reported in my credit report I promptly paid it. Today ( XX/XX/18 ) I received a letter from Convergent that stated I now owe {$350.00} to the same original creditor. I do not owe this, it was not reported on my credit report ( I know that reporting is not required by creditors ), it was not previously disclosed to me in any way, and its origin is totally unknown to me. I have paid what they said I owed and I would like the CFPB to please have this company to cease this harrassment.

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 2018-10-16 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: PNC Bank N.A.
State: IN

Complaint narrative:
Since XX/XX/2018, I have been trying to inform PNC Bank that someone had used my card without my knowledge or consent. Somehow, PNC allowed the account to go over its credit limit by over {$4500.00}. The balance due is set at {$11000.00}. I duly informed them that someone had accessed my account and reported it to them, however instead of investigating like they said they would, they just proceeded to list me as a bad debt on the three credit bureaus. I have identify theft coverage through my insurance company and was waiting to hear their decision, but they never gave me one and have penalized me on the credit bureaus rather than assisting me with a clear case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax has me listed as being deceased. My husband passed away XX/XX/XXXX. We leased a car with XXXX XXXX in XX/XX/XXXX. I sent necessary documents in XX/XX/XXXX, to remove his name from the lease, ( death certificate ). The lease was up in XX/XX/XXXX. I turned the car in and am leasing another car with XXXX XXXX XXXX XXXX. It appears that XXXX XXXX listed me as deceased along with my husband inXX/XX/XXXX. I applied for a mortgage in XX/XX/XXXX with XXXX XXXX XXXX. XXXX XXXX attempted to get a credit score in XX/XX/XXXXt and was unable to do so because consumer was listed deceased. I filed a report immediately online with Equifax in XX/XX/XXXX. I received an email confirmation that the dispute had been settled and a printed copy dated XX/XX/XXXX. The printed copy stated consumer deceased instead of loan paid in full. I called again on XX/XX/XXXX and was told that I was still listed as deceased and it could take another 30 days before it was cleared. XXXX XXXX XXXX attempted 3 more times to obtain a credit score and were unable to do so. I can not get a mortgage without a credit score. I have also contacted XXXX XXXX XXXX XXXX the first week of XX/XX/XXXX asking them to contact Equifax explaining the error. The agent drafted a letter while I was talking with her. A copy of the letter was also supposed to be sent to me. I never received the letter so I have to assume it was also not sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a personal checking account at Bank of America and they charged me a ( 1 ) -time fee of $ XXXX because the CA Franchise Tax Board levied a garnishment of $ XXXX against this account. I promptly called the CA Franchise Tax Board and paid the entire balance owed to them of $ XXXX and NO garnishment occurred. I then called Bank of America back and asked them to reverse this fee and they refused.

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