vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 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: GA

Complaint narrative:
There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-05 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: GA

Complaint narrative:
There are several accounts reporting on my credit file either in error or result of identity theft. Please assist me in getting these accounts and unauthorized inquiries removed from my credit file. I did not authorize anyone to apply for or open any accounts using m personal information. Please see the attached Identity Theft Form. 

The following accounts does not belong to me : XXXX   XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displaying innacurrate employer on credit report. I do not work for 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 2020-03-05 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 trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these 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 2020-03-05 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 trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these 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 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: AZ

Complaint narrative:
On XX/XX/2013 I went into XXXX XXXX XXXX hospital after receiving a XXXX XXXX XXXX XXXX. I went in and received approx XXXX  XXXX. I went to the counter to finish everything up and was asked for insurance. 

I had no insurance at the time and said I was paying out of pocket. The lady asked if I was a XXXX  and I said yes. She said XXXX  get a discount and I said ok cool. The total was {$420.00} and I paid it with my XXXX XXXX. I have the XXXX  transaction to prove that is what I was charged. 

Months later I received a collection totalling {$1200.00} from a collection agency. The hospital never sent me notifications. Why would a hospital do this? Is this common practice or a mistake? The point is that I paid for services on the date of the transaction yet received a collection for services never performed. 

This has been a nightmare and is not fair. Now Nation Wide Recovery Systems is after me for XXXX dollars and nobody seems to listen. Hopefully you guys can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: TX

Complaint narrative:
I began disputing wrong information reporting on my Transunion report last summer. I never received any correspondence that the debt belonged to me. I requested an investigation XX/XX/XXXX.I received nothing in response, the debt was still reporting on my credit report. 

I requested verifiable proof that the debt belonged to me twice ( XXXX. & XX/XX/XXXX ). I received no information regarding the debt. On XX/XX/XXXX I reached out to XXXX XXXX XXXX  via " priority mail '' with the information that was reporting on my credit report. A few days later ( XX/XX/XXXX ), the envelope returned to my address " RETURN TO SENDER ''. 

Today, I reached out to Transunion because it was still reporting.I was asked for verifiable personal information, which I provided. My last four is XXXX. My file number is XXXX. My address is listed in the attached correspondence. I was asked did I want to dispute the information. I said yes, but I went back to my personal records to see if this was previously brought to their attention. It was and nothing is being done to properly resolve. 

I find it hard to believe that this information is still negatively impacting my report and can NOT be properly verified. I request assistance with prompt deletion. 

Thank you for your time and assistance

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 2020-03-05 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Arete Financial Group
State: MD

Complaint narrative:
Arete Financial Freedom, XXXX XXXX Student Loans Specialist, XXXX XXXX exit XXXX, contacted me in XX/XX/2018 concerning my student loans. Ms. XXXX convinced me to let her company help me repay my students loans and the payments would be cheaper than what I was paying. I accepted her services and set-up auto payments with her company for monthly auto payments of {$40.00}. Everything was going along fine so I thought until I start receiving correspondence from XXXX XXXX stating I was behind in my payments? I had no idea what they was referring because my loan was with Arete Financial Freedom. I tried to contact Arete Financial Freedom and received a recording saying the number was on longer working? I would like to find out what happen to this company and where did all my payments go. I still have a student loan for the same amount? Is there anyway I can get my payments back and apply them to my loan?

Company response to consumer: Untimely response
Consumer complaint received 2020-03-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Back in the XXXX I went into XXXX XXXX and inquire about and 1 bedroom apartment. At the time there was a application fee and a processing fee. The agent XXXX was helping my daughter and me ; On this day it was storming so we wasn't able to see the apt . I went online and started the application process, and when back into the office to request to see the apartment. Once I view the apartment I advise XXXX that I did not like the apartment and would not be moving forward. XXXX ask if I did the application and I responded yes. In the beginning she advise that in order to get started I needed to bring and application fee, which I never gave and once approve I needed and deposited, which was never give. After that I started getting email about and apt , I called the office and ask why my credit was ran XXXX advise her manager did it. I called for month requesting to talk with the manager and even stop by. never get to talk with the manager. I found out about the report and the manager agreed that I never applied. I ask for this to be remove from my report and it is still on my report. I left a copy of the collection bill and never heard anything back. disputed this with the credit people and was told it was accurate. they cant show me any paperwork, processing check or deposit that I made. XXXX was left go, seems to me she was doing fraud to boost her numbers. However I don't owe this company {$150.00} and would like for it to be remove from my credit report..I also reached out to the collection company and was never send proof of this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

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 2020-03-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a of bill I received in the mail. I have never heard from the place before. I immediately suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$26000.00} XXXX  XXXX   XXXX {$370.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}

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 2020-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: SC

Complaint narrative:
My loan payment is only a couple weeks behind from creditors One Main Financial and they are calling repeatedly nonstop at least 10 times a day leaving voicemails, harassing and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
See attached documents. 
The XXXX  XXXX XXXX authorized payment through XXXX XXXX XXXX XXXX for a XXXX XXXX at the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) and follow-up with XXXX XXXX XXXX 's office, Authorization # XXXX.The XXXX XXXX  was done on XX/XX/XXXX. 

I received a bill from XXXX dated XX/XX/XXXX indicating that they had charged my XXXX XXXX XXXX, XXXX and expected a {$95.00} copayment from me. I called XXXX and spoke with XXXX on XX/XX/XXXX and explained their error. She instructed me to send my information to : ATTN : Ins. Dept. XXXX XXXX XXXX, XXXX, TN XXXX and they would refund the payment to my insurer and process the billing to the XXXX XXXX XXXX where there is no balance billing. 

I received another bill dated XX/XX/XXXX and this time mailed it back to : XXXX XXXX XXXX XXXX, XXXX, GA XXXX with the VA authorization # and explanation. 

I received a third bill dated XX/XX/XXXX and called on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in payments. He told me they had all of the necessary info to bill the VA, which should have already been done and that I would receive no further notices. 

I received another bill dated XX/XX/XXXX and called again on XX/XX/XXXX at XXXX XXXX and was transferred to XXXX in the escalations Dept. She said that she notified Billing and will also notify Collections and the matter would be taken care of. 

I then received a collections notice from PARAGON and called them on XX/XX/XXXX at XXXX XXXX  to explain what the situation was. The man on the phone was exceedingly rude and did not want to hear anything I had to say. 

I then took copies of all that I will also attach here for you to the XXXX hospital administrator 's office where the administrator 's assistant told me she would forward them on to the appropriate office where the problem would be taken care of. 

On XX/XX/XXXX at XXXX XXXX  I again called PARAGON to see if my case had been resolved and a very polite lady told me it had not been. 

I am now writing your agency to see if you can get the XXXX  to finally resolve this situation and remove me from collections which has since dinged me with the credit bureaus for an unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Sent two checks that totaled the full amount due on statement along with payment stub to Barclay for payment on MasterCard account number ending in XXXX. The payment stub was sent to Barclays bank and cashed for full amount. However, it was NOT a check, it was a payment stub. One of the two checks was submitted to Barclays bank and cashed for amount of check. Our bank also accepted the payment stub as payment, but when shown the problem redeposited the money into the proper account. We have a check that cleared our bank but is not posted by Barclays as having been received. We have called Barclays and e-mailed copies to them of the cancelled checks. To protect our rights we also mailed them a letter with problem outlined and copies of cancelled checks. Received a letter stating they would look into the problem. Received another letter stating they are unable to complete our request. They cashed a check for {$2500.00} and refuse to apply it to our account. Not only do they say we still that money, but we are being billed finance charges as well.

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
Consumer complaint received 2020-03-05 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 am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My home loan statement includes a message on the impact of bankruptcy. I filed bankruptcy in XXXX which was discharged in XXXX. I did not include my mortgage in the bankruptcy. I have asked the mortgage company to remove the message off of my monthly statement. Their response is that once a bankruptcy is filed regardless if it was included in the filing, the message remains on the statement until the loan is paid off. My argument is that keeping this message on the statement has no business purpose. If it is does not apply to all customers, then it should be removed when it no longer applies to any customer.

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