vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : 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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : 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 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I tried to link my account and I wasnt able suddenly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Friday, XX/XX/2020, I tried to link my PNC Bank account with XXXX and it didn't allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX  ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Accounts with XXXX ending in XXXX for amount of XXXX dollars opened in XX/XX/2008 AND account ending in XXXX with amount of XXXX opened in XX/XX/2008 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SC XXXX, XXXX XXXX, XXXX, XXXX XXXX, SC XXXX, NES/ZION, XXXX  XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXXA XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  PROPERTY 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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : SC XXXX, XXXX XXXX, XXXX, XXXX XXXX, SC XXXX, XXXX/XXXX, XXXX  XXXX, Original Creditor, XXXX  XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX CARD LEASINGDSK ONSITE RENTAL PROPERTY 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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my most recent credit report. I've notice that Transunion, XXXX, & XXXX. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX  XXXX  XXXX. 

Notice two accounts 1 ) XXXX XXXX and XXXX original creditor ; XXXX balance {$3500.00} XXXX ) XXXX XXXX and XXXX original creditor ; XXXX  XXXX XXXX  XXXX  balance {$1900.00}

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX  dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf. It also appears on Equifax with the date of XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with XXXX dollar balance dated in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, and Experian, even after attempts of removal with credit repair company on my behalf. It also appears on XXXX  with the date of XX/XX/2011.

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 2020-05-29 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: WI

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to apply for an account at your company. I did not authorize these inquires. Take appropriate steps to remove information about this account from my credit files. I ask that you all remove these fraudulent inquires. I have contacted XXXX  and they said that inquires are factual record but my Identity was stolen and they have not sent me proof neither did these companies that pulled my credit, same goes for TransUnion. If this isn't fix i will have no other option but to take companies involved to small claims court. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX  XXXX  XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/XXXX XXXX. XXXX/XXXX- XX/XX/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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX  ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCollect
State: WI

Complaint narrative:
So I was in a car accident in XXXX and went to the ER. I never received a bill from the hospital and assumed my insurance had covered it. I even called the hospital after not hearing anything and they could not find I owed anything. Come XX/XX/XXXX and I start getting letters in the mail from lawyers trying to get me to hire them for my lawsuit. Um what??? I had to look at my states court system just to find out I was being sued. I XXXX the company and called right away. They say I owe XXXX and I panic and pay. 1. They tell me it's still a judgement. They then inform me that I owe another XXXX! and they will sue me for that as well. I have no idea what that XXXX was even for. I never received anything. They then told me to pay like XXXX biweekly which is impossible. When I said that they attempted to make me promise to pay with a tax return I did not even get. I felt very pressured and uncomfortable. Now the harassing phone calls and emails begin. I DO not thing I should have to pay this. I didn't even know! and they used really harmful tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In the middle of purchasing a house and mortgage lender can not pull Equifax report - even though XXXX  and XXXX  are fine. I do NOT have any type of freeze on account. I was directed to create an account on Equifax and look in " manage freeze ''. No freeze ( which I knew ). Was told to freeze and then unfreeze account hoping to fix whatever glitch appears. Lender still can not pull my credit report from Equifax and Equifax was no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX in amount of XXXX dollars with the date of XX/XX/2013 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: TX

Complaint narrative:
The below listed INQUIRIES and COLLECTIONS by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX  XXXX  XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XXXX XXXX, XXXX XXXX XXXX  XXXX  XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXXomplete Department Stores Inquiry date : XX/XX/XXXX Collections Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX  XXXX  Original creditor : XXXX XXXX XXXX XXXX {$0.00} Balance updated 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 non-monetary relief
Consumer complaint received 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 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: VA

Complaint narrative:
I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with old balance of XXXX and last balance ending with XXXX dollars with a date of XX/XX/2006 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After reviewing my most recent credit report. I've notice that XXXX, XXXX, & Experian. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX XXXX XXXX 

Notice two accounts 1 ) XXXX XXXX XXXX XXXXXXXX original creditor ; XXXX balance {$3500.00} 2 ) XXXX XXXX XXXX   XXXX original creditor ; XXXX XXXX XXXX XXXX  balance {$1900.00}

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