vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: UPGRADE, INC.
State: MI

Complaint narrative:
I did not do this, someone took a stand by cash account out in my name. 



Changes Previous Report XX/XX/XXXX Latest Report XX/XX/XXXX Credit Report Period XX/XX/XXXX XX/XX/XXXX Account Number XXXX XXXX Condition Derogatory Derogatory Responsibility Individual Individual Current Balance XXXX XXXX Original Balance XXXX XXXX Limit XXXX XXXX Monthly Payment XXXX XXXX Last Payment XX/XX/XXXX XX/XX/XXXX Status Collection / Charge-Off Collection / Charge-Off Loan Term XXXX XXXX Loan Type Line of credit Line of credit Opened XX/XX/XXXX XX/XX/XXXX Reported XX/XX/XXXX XX/XX/XXXX Remarks Charged off as bad debt|Canceled by credit grantor Charged off as bad debt|Canceled by credit grantor Creditor Information XXXXXXXX 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 XXXXXXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I purchased a credit report monitoring family plan with Equifax on XX/XX/XXXX to which I added myself, my husband and XXXX children. Later, on XX/XX/XXXX I added an additional child to my plan. Sometime earlier this year, XXXX I was notified that I had unusual activity on my report so I logged onto My Equifax family plan to monitor my information and then noticed that NONE of my children were listed on the plan. I tried adding my XXXX minor sons and was not able to, receiving this message : " You're taking steps to help better protect your family members. Because a credit file for XXXX already exists ( which may be the result of credit activity such as an active credit card or car loan ), we'll need some documentation to verify guardianship and add your child to your account. Please call our customer care team at XXXX and get started today ''. I then immediately called the number provided and was told that in order to add my children I needed to submit documents that verified my guardianship, including a copy of my children 's SSN, Birth Certificate, my drivers ' license and a cover letter stating that I am the parent of these children, including their full name, date of birth and our mailing address. I had to MAIL this information to XXXX XXXX XXXX, XXXX, GA XXXX. I mailed it on XX/XX/XXXX with confirmation that it was received on XX/XX/XXXX. When I called my equifax plan ( on several occasions ) I was told that the documents were not received and that the correct XXXX XXXX to mail information to was XXXX XXXX XXXX, XXXX, GA XXXX. I did NOT send the documents again because of my fear that NO ONE knows what's going on in this company and that my children 's identity is being compromised even more so with me mailing things to " non existing '' XXXX XXXX XXXX. I still can not add a child to my plan for which I have been paying {$29.00} a month for since XX/XX/XXXX. Nor do I know if my children 's social security is compromised and being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-26 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Received call on XX/XX/2022 at XXXX, clearly its a mass dialer because the line was quiet for XXXX seconds before someone came and started asking for my wife, asked what is this in regards for, he yelled if you dont know her no point in talking to you and hung up. Called back asked to be removed from any list lady slightly laughed. Havent received any other notice of the debt owed, not sure how their complying with the laws on that one. 

Additionally when asked for the company name the laughing lady said it very fast, purposefully trying to make sure people write it down incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prohealth Care, Inc
State: WI

Complaint narrative:
XXXX writing to share a serious concern regarding our familys interaction with Pro HealthCare [ https : //www.prohealthcare.org/ ]. In summary, a billing dispute has now escalated to the point of harassment, and we are asking for your help to resolve this matter. 

Please allow me to share the fact pattern for this issue : -Our son was born at the XXXX XXXX XXXX on XX/XX/XXXX. 
-The birth is a fully covered cost. Our insurance coverage is through XXXX XXXX XXXX, and our healthcare coordinator is XXXX. We have a confirmed EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost. 
XXXX XXXX XXXX has communicated that this claim has been paid in full. 
-Pro HealthCare [ https : //www.prohealthcare.org/ ] has been unable to identify the payment. As such, weve been contacted by the Pro HealthCare billing department on several occasions [ dates listed below ] stating that the invoice status for XXXX birth is unpaid and has now gone into a formal collection process. 
-To trace the payment, XXXX has communicated to Pro HealthCare that Pro HealthCare must initiate a request to the local XXXX office to research and find the payment that was made. When weve communicated this requirement to Pro HealthCare, the response has been, Thats not my job. 

Neither XXXX, in its role as the XXXX coordinator, nor we [ the covered parties ] can initiate a check trace as we are not parties to the financial transaction between the payor [ XXXX ], and Pro HealthCare, the payee. 

Weve worked diligently to resolve this matter with Pro HealthCare but unfortunately have been unable to come to a resolution. As mentioned, the tone of the conversation has now been raised to the level of harassment, and this is now unacceptable. 

Pro HealthCare is currently requesting payment of {$380000.00}. Please note that there have been several iterations from Pro Healthcare requesting different amounts. 

Dates of communication : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Attached with this submission are : 1. The EoB [ Evidence of Benefits ] from XXXX stating that this is a covered cost and the payment for this claim has been made. Please note that they payment made is equal to the negotiated rate between XXXX [ our insurer and the payor ] and Pro Healthcare [ the payee ], and is not equal to the amount in the collection 's notice. 

2. The collections notice

Company response to consumer: Untimely response
Consumer complaint received 2022-07-26 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I assure that I have not shared my financial information or authorized anyone else but myself to use my debt card/access financial information, the debit card is in my possession as well. 
Scenario : XX/XX/XXXX ATM was charged for a purchase at XXXX LA for the amount of {$140.00}, this was declined from my bank and detected as a fraud alert. To add this was the second time it happened for a amount of {$300.00}, at first, since the transaction got declined, I didnt think much about it and guessed as a system error, until this incident happened. 
XX/XX/XXXX ATM was charged for a purchase at XXXX XXXX, CA for the amount of {$210.00}, which got approved by my banking without any XXXX authentication/fraud alert. 
Actions - Contacted bank to replace my debit card, also filed a fraud claim which will take 10 days investigation. 
- I called XXXX hoping to cancel the order, associate informed that the order was already picked up XXXX minutes passed. He informed the order was done online and it was a big order of XXXX pizzas mentioned. 
- Filed Police Report next day XX/XX/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 monetary relief
Consumer complaint received 2022-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-07-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a private loan with Navient/Sallie Mae .

Over the course of my repayment, I had difficultly paying, and when I called, the only option was to defer or apply forbearance, compounding the total amount of my loan. I was NEVER offered lower rates or an income based plan. They told me this was not possible. 

My original loan amount was around $ XXXX for a XXXX degree from XXXX. I think this falls into a subprime category, considering it is absurd I would be able to pay that back from the degree. I do not come from money. I lived in a trailer park as a kid and we thought going to college was the right thing to do, and Sallie mae / Navient offered me a predatory loan when I was XXXX. 

I have paid over DOUBLE the amount of the original loan, roughly $ XXXX. 

I have about XXXX left. Considering I was never offered repayment options, and that my loan is subprime, I would AT LEAST like the remaining amount forgiven. Navient and Sallie Mae subjected me to unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc.
State: AL

Complaint narrative:
On XXXX XXXX we lost our XXXX air, and here in Alabama it gets hot. I spoke with the mortgage company about the missed payment which would be for XXXX. We are trying to get back on track, Im not sure what the back balance, I received a letter stateing that XXXX was due. My father is a XXXX Veteran, he's on XXXX XXXX ( 3 times a week ). Plus he is a XXXX XXXX. My mother is trying to get a company to help with to replace the XXXX air unit. We are trying to get caught up, but its been trying. We are able to XXXX payment. But the mortgage company wants all of back balance. I filled out papers in order to get a extention on the loan. I have not heard from til the letter I received yesterday by mail, that was on Monday XX/XX/XXXX, for XXXX 's payment. We are really trying. But we fell behind because we are trying to get a XXXX unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
I deposited my paycheck and was given a available balance and later that night the purchases were put in as overdraft as they took my available balance away and put a hold on my paycheck so the charges I made when I had a available balance made my account negative

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 2022-07-26 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: LA

Complaint narrative:
the inquiries listed on my account are fraudulent and are not mind 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have also contacted the creditors and notified that they were fraudlent

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 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion removed XXXXXXXX XXXX from my report months ago. They reinserted the account back on my report. Not to mention I did not authorize them to put anything on my report.

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 2022-07-26 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 have hard inquiries on my credit report that I have never applied for. The unauthorized companies to report on my credit are XXXX and XXXXXXXX XXXX XXXX XXXX for TransUnion.

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