vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion multiple times for help with removing several inquires off my report that are unauthorized. I sent police report and letter back in XX/XX/2020as requested and nothing was done. I called the most recent times on Thursday XX/XX/2020, XX/XX/2020, and finally XX/XX/XXXX,, 2020. Each time I was connected to fraud department and told something different. I was told hard inquires could not be removed, that they were to old to be submitted for review and removal, that there system would not let them submit to check to validity of the inquires, and finally was told to submit a letter and police report again. It is extremely disheartening that there customer service departments were unwilling to help 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 2020-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Random collections added to my credit report of services i never received with bills not belonging to me. I never received any prior information about any of these things before they popped up on my credit as collection items.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
As a small business owner and a minority, my access to credit is limited, hence I use any and all credit I have within my arsenal to finance my project. This includes my Target Card. I usually payoff this card but during Covid, this became difficult as the Bank that was going to finance my project went out of business, as many did in the secondary market. 

Once the Cares ACT was passed, I notified Target Red Card Services or TD Bank regarding what help was available under the ACT. I notified all my credit card companies including Target. 

While payment was not made monthly, because the interest rate on this card is really egregious, payment was made yet this card still reported me late to the credit bureaus causing my credit score to nose dive and other card companies to cancel several cards or reduce credit lines which I have but were current on. 
I contacted Target, and i was told it was a mistake, the reporting will be corrected with the Credit Bureaus and the and they would address the issue and also reverse all the incorrect fees. I was also told the money owed on the account was about {$10000.00} afterall the fees were removed. I made the payment in full on XX/XX/XXXX. 

The monies were never reversed. The following month, I called them again and I was told the account is showing {$1100.00}. Online the amount showing was {$950.00}. I made that payment. I also learned the credit bureaus had never been contacted, the fees never reversed and since citizens don't have a real advocate, I made the payment with reservation. I have attached a screen shot of what the system showed was due. Lo and behold, I received another bill showing {$140.00} due again on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
Experian has reported my account for the last XXXX years that I'm not late on any of my accounts. Then on XX/XX/20, a collection account appeared only on Experian. I checked XXXX  and XXXX. My credit score dropped. I was at XXXX and now they are reporting 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 2020-10-12 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: CO

Complaint narrative:
Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-10-12 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: CO

Complaint narrative:
Recently I checked credit report and found out a few items which never belong to me or any transactions made by me. I believe somebody stole my personal information. I am requiring to remove all of these items from credit report because of fraud. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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:
XXXX  has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and XXXX  has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6 times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high XXXX and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because XXXX  didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from XXXX  and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.

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 2020-10-12 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-10-12 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: Capital Accounts, LLC
State: DC

Complaint narrative:
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report XXXX XXXX XXXX office has reach out to Capital Accounts to have the item removed on several occassions. I have an email that was sent to capitol account requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX XXXX XXXX there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they don do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion reported XXXX XXXX at 55 % utilization. Deducted 12 points from credit score. This card is paid in full if used at all in 1-3 days after utilization. Balance presently is zero.

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 2020-10-12 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: NJ

Complaint narrative:
XXXX, TransUnion, and XXXX are hiding information from me. My attorney found a mortgage on my name, bankruptcy on my name, these accounts were put on my name without my consent. I apply for credit and it's always denied. Also, they are sticking up for banks that I have on my report that are breaking the FCRA law in many ways. They don't correct my problem. XXXX XXXX and XXXX XXXX broke the FCRA law and these bureaus are supporting them.

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 2020-10-12 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: FL

Complaint narrative:
In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX   Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all 3 major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this 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 2020-10-12 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:
In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX  regarding an open collections account with XXXX XXXX Bank. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXXXXXX Spoke w/ supervisor Spoke with XXXX XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. XXXX XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from XXXX XXXX XXXX. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX XXXX XXXX XXXX me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that XXXX XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all XXXX major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: FL

Complaint narrative:
In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXXXXXX Spoke w/ supervisor Spoke with XXXX XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. XXXX XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from XXXX XXXX XXXX. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX XXXX XXXX XXXX me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that XXXX XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all XXXX major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove this 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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
last year, I submitted an application to Capitol One for a credit card, but subsequently withdrew my application, and I never provided the requested documentation for the credit card, having instead selected another Bank ( XXXX  ). Recently, I received a statement for a Capitol One Credit Card account. I believe it's the first statement to be received. The balance was XXXX, but I don't even have the actual CC because the account was never formally opened. 
I called to cancel the card, and spoke with XXXX ( employee ID  XXXX ) ( XX/XX/2020, @ XXXX XXXX  ). He told me he would close the account. He clearly stated that they record calls for quality assurance purposes, but when I indicated that I also wanted to record the call, he said I was not permitted and would not continue the conversation if I was recording. After I told him that I objected to the " one-sided '' restriction, but that I would stop the recording, he continued. He confirmed he would close the account. I requested copies of the documents used to confirm that I had opened the account. He told me he was unable to send any documentation to me. When I asked for an address, he refused to give me one. When I asked if there was a balance or activity i.e. fraud ... he refused to answer, instead telling me that I'd have to submit a driver 's license, social security information and a utility bill for verification. I believe they wanted this information initially, and I declined the request at the onset. Seems to contradict the approval process for account creation. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
I am a victim of identity theft

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 2020-10-12 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation