vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 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 have never apply for this companies. i believe that somebody used my personal information to apply for this. I'm not responsible for this inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found some one used my personal information and open credit accounts

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 2020-03-20 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: CA

Complaint narrative:
I found some one used my personal information and open credit accounts

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 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.

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 2020-03-20 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: CA

Complaint narrative:
I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.

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 2020-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
Good morning! 

I would like an investigation for Banco Popular of Puerto Rico in the Department of Credit cards VISA ICON, in regards to the account # XXXX due to : 1. That on Friday, XX/XX/XXXX I tried to enter online to verify my credit limit and realized I couldn't enter. 

2. That I am a XXXX XXXX and depend on my Credit Score. 

3. That I didn't file a claim in 30 days because I paid on XXXX the amount owed in full and left the account in {$0.00}. 

4. That I immediately proceeded to call Banco Popular of Puerto Rico and talked to Mr. XXXX XXXX and he informed me that I have an overdue pay of {$680.00}. 

5. That I told him that the amount could not be because I haven't used the Visa Icon card since XX/XX/XXXX and I paid the balance at that time in full. 

6. That no one from Banco Popular contacted me through phone, email or US Postal Service inform about said charge and my personal information was up to date. 

7. That I informed Mr. XXXX that if he looks at my past payments he would see that I have never been late in a payment and that I always pay in full. 

8. That the amount above mentioned is not mine and they should immediately proceed to eliminate the charge and fix my Credit Score with XXXX, XXXX and XXXX. 

9. That on Tuesday, XX/XX/XXXX I wrote an email detailing the phone call I had with Mr. XXXX on Friday, XX/XX/XXXX and attached the evidence to back the claim as requested by Mr. XXXX. ( VIEW ATTACHED DOCUMENTS ) 10. That on Thursday, XX/XX/XXXX I called Banco Popular of Puerto Rico because they haven't contacted after 73 days an I wanted to know if they eliminated the charge of {$680.00} and fixed the credit score because they never contacted me in any form. 

11. That I spoke with Mr. XXXX XXXX, Supervisor, and he informed me that they have not fixed the charge and the credit damage to my Credit Score. 

12. That he told me that I should send an email to him detailing everything that I have done and that he would have an answer on Wednesday, XX/XX/XXXX but I have yet to receive a phone call, email or letter in the US Postal Service of said solution. 

13. That I called an Agency in Puerto Rico ( DACO ) in regards to said claim and they informed me that to file a claim with them I had to Travel to Puerto Rico because the hearing are there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I contacted Care Credit in regards to losing my job and not able to make payments at this time. I have had this card since XX/XX/2003 and they stated the only thing they can do is waive a late fee. After looking at my statements my balance in XXXX was {$2200.00}. XXXX statement my balance is now {$3500.00}. I had XXXX  work that cost me {$5000.00}. They have charged me {$1400.00} in interest. How can I be charged interest on money that was already paid?? Now my XXXX statement shows more interest being charged of {$64.00}. The lady I spoke with today was zero help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have three collections accounts reported on my XXXX   credit report which are not mine and are falsely reported in the amounts of {$1600.00}, {$320.00} and {$740.00} by AARGON. I have submitted several disputes via XXXX  online and provided sufficient documentation proving that I do not owe this debt. 


Below, you will find recorded correspondence to which I documented, providing the hospital with my information SEVERAL TIMES to bill my insurance company and they still failed to do this on time within the timely filing window. I do not authorize XXXX hospital or any of their contracted medical providers, physicians or nurses to release my medical records to XXXX  or AARGON. 

I have disputed these debts several times and have asked for proof of debt several times, through the XXXX Hospital medical billing department and they have not provided proof that I owe the debt. They say that since they have sent my accounts to collections, they no longer have my medical records on file. With that being the case, how can they possibly prove that I owe the debts when they don't have my records on file anymore? 

Below is my documentation of providing insurance info on time : XX/XX/17 : Nurse named XXXX asked for my insurance info and I told her I was covered by XXXX  under cobra. My insurance info should have already been on file since I recently was at the hospital on XX/XX/17 and XX/XX/17 under the same coverage XX/XX/17 : Discharged from the hospital XX/XX/17 at XXXX : XXXX Spoke to XXXX at XXXX and provided her with my insurance info XX/XX/17 at XXXX : Emailed a help ticket claim through XXXX  website since I have not heard back from XXXX Hospital billing XX/XX/17 at XXXXXXXX XXXX 
XXXX Called and left a voicemail and asked for an update on whether my insurance info was applied to my outstanding hospital bills. Did not receive a call back or any updates XX/XX/17 XXXX XXXX Called XXXX  since I got a letter in the mail saying I might be eligible for medical grant. Spoke to XXXX, and she told me she could not help me since I am insured. 
XX/XX/17 XXXX XXXX Called business center and spoke to XXXX Spoke to and she verified my information and said she was sending it to the hospital so that they can bill my insurance, XXXX  XX/XX/17 XXXX XXXX  XXXX XXXX called me back, we are looking into the various claims and she sees on her end that I should be receiving updated bill for my claims. My insurance information is visible on her end.

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 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: USCB, Inc.
State: TX

Complaint narrative:
I have a membership with XXXX  and receive alerts as changes occur on my credit report. I recently received alert that company uscb American had submitted a collection from XXXX XXXX. The collection dated to XX/XX/2018. I moved to Texas  in XX/XX/2018 and did not receive any correspondence that i owed a bill now more than a year later here is a collection appearing on my report that will remain for 7 years, I tried to communicate ith company to see if we could settle on an amount since this is an old bill and i was not aware. I am retired and on a fixed income and cant afford to have an extra expense and the company was unwilling to work with me for a reasonable solution. with the recent outbreak of the corona virus everyone is concerned about their finances. I have worked hard to bring my credit score and remain credit worthy and i am hurt and appalled that this company has submitted this report twice thus causing my score to drop by 54 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have Been A Victim Of Identity Theft This Account have Been open Without my Consent to Open this Fraudulent Account. Please Shut This Account Off and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a warning from my credit watch service that Chase has reported me to credit bureaus as being late for payment. When I checked with the credit card company Chase, I was told that I was late making payments and I was 2 months late and they closed my account and reported me. 
I do not use this card and my existing card has expired on XX/XX/2019. I have not received a new card and I haven't used this card long time. I was told by XXXX from Chase Credit Bureau Specialist that the balance is left over balance transfer fee and interest. 
I am a XXXX veteran and during these times it is unbelievable and very selfish for them to report me to agencies for approximately {$100.00}. 
Once again I haven't received a new card when my old one was expired. I haven't received a call or text to tell me I owed money to them and I haven't received anything in writing. They bypassed any means to communicate and resolve the issue but reported me. 
Wouldn't it be reasonable to ask why they did not try to reach me? 
I understand they send statements in emails but I have not received any emails with regards to this situation from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20 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: FL

Complaint narrative:
I Have Been A Victim Of Identity Theft This Account have Been open Without my Consent to Open this Fraudulent Account. Please Shut This Account Off and Remove

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 2020-03-20 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: FL

Complaint narrative:
I Have Been A Victim Of Identity Theft This Account have Been open Without my Consent to Open this Fraudulent Account. Please Shut This Account Off and Remove

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 2020-03-20 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: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
At a time where most Americans are going through a hard time out of work because of Corona virus ALLY financial through their customer service number just informed me of the following issue ... 
They will not waive any late fees they will charge me XXXX dollars every single day i am late going through this situation needing an extension being out of work she told me on the phone that if I asked for the 120 day extension it will push me back six months on my actual loan meaning it would double my payments. 
Who is going to protection millions of Americans from this I will be contacting my state representatives as well local states attorney and congressman in my disctrict to let them know what this finance companies are doing to hard working Americans like me going through this hard time

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 2020-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I, XXXX XXXX, had a Joint checking acct. with my Mom, XXXX XXXX. She passed  two years ago. I closed the checking acct but forgot about thye savngs acct. The savings acct was not a conventional acct. It debited {$1.00} every time we bought something with the checking acct. No paperwork or written info was ever given to me. The teller signed me up for the program. 

I received a statement every three months telling me the balance. I tried to withdraw. Wells Fargo wouldn't let me. Later I went to the bank to get this straightened out. I was told I needed a death cert.. I finally got the cert.and gave it to Wells Fargo. They called some bank Exec. The lady I spoke to told me the bank wouldn't give me the money until I provided Burial Exspens. 

The money in {$130.00} I am a senior, XXXX and really need the money

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 2020-03-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS ARE DUE FOR REMOVAL OF FMY CREDIT FILE. THESE ACCOUNTS HAVE BEEN PAID IN FULL IN A SETTLEMENT. HAVE THOSE ACCOUNTS OFF MY CREDIT FILE, THEY HAVE BEEN CAUSING SERIOUS DAMAGE AND IS CAUSING DELAYED IN EVERYTHING THAT I AM TRYING TO PURSUE. PLEASE REVIEW ALL THE ATTACHMENTS AND REMOVE THE DISPUTED ACCOUNTS OFF MY FILE.

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 2020-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I received a credit alert from XXXX  and discovered a debt collection agency called DRS or otherwise known as Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone Number : XXXX Per my XXXX  report they bought a debt from a place called XXXX. I have never heard of this place and it was never reported to my buraeus before by XXXX. Per XXXX  they said I opened the account XXXX XXXX XXXX this not my debt and I have not received validation of the debt and they have re-aged the account to fit their interest in collection of {$340.00}. This debt that is not mine has lowered my credit score by 19 points. They went against the Fair Credit reporting act and I keep getting numerous phone calls that I have to block. They fraudulently re aged an account that is not mine. I have never taken out a pay day loan and it has never been on bureau until this company bought the debt. I had to XXXX  XXXX and found they are a paydayloan company and DRS bought the account. I have had XXXX XXXX for years and never seen this debt until I received an alert form XXXX. I have contacted an attorney and filed a dispute with XXXX  this needs to be taken off my credit report and DRS needs show validation so I can file fraud report with my local police department. If my identity was stolen I need validation.

Company response to consumer: Closed with explanation