vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 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: NC

Complaint narrative:
I have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item

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 2020-07-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed to no avail the collection account appearing in my credit report under the collection company listed as XXXX XXXX the problem is I originally requested validation if the debt XXXX responded with a consent form dated a entire year earlier then the hospital bill inpatient date ... .this is not valid validation of the debt also the consent form was for a regular doctor visit not a hospital stay as bill indicated. 
I then reached out to XXXX XXXX which was the original creditor to learn that this debt which XXXX XXXX is trying to collect is actually included in a charity application I submitted to XXXX XXXX XXXX assistance before the debt was purchased by XXXX the charity application had been accepted and us still pending review thus XXXX XXXX should not be trying to collect on this debt I have enclosed the XXXX bill A copy of my XXXX XXXX billing statement which shows this account is pending review for charity assistance with a XXXX balance I notified XXXX  I was in dispute if this debt before the 30 day notice however they will not crease contact it collection on this item

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 2020-07-03 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: VA

Complaint narrative:
Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

XXXX Report : 1. XXXX account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

Transunion Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.

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 2020-07-03 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: FL

Complaint narrative:
I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I setttled my Citi bank account LEGALLY. The credit bureaus & Citi have yet to update this information. Instead they updated it to that I made payment but still owe. The letter I have here showes proof that my obilgation to the debt has ben satisfied. I am in the process of gejtting a house and this information is making that process extremely difficult. This includes the negative payment reported for XXXX when my payment was made in 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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My complaint against Chase Bank to unethically closed my account without any notice.I receive an email from my credit card company on XX/XX/XXXX that my payment was declined. So i call them to ask what had happened since I scheduled the payment before hand. They told me that my bank is froze. I call my bank and ask them about the issue, I was on call for 3+ hours and they shuffle me through department to department. No one want to tell me whats wrong. I treated horribly by them, I kept on asking the reason they said they cant tell me why did they close my account. After the call i went to the branch to inquire further but they declined to give me a reasonable answer. I am freaking out since they close my years old account without letting me know. Let me tell you that I have not receive any notice or email regarding this matter earlier, and when i explain this to them they said they are not suppose to let me know and they are authorize to close the account without giving any further information to the client. when i confront them on this they said its their policy. They are unprofessional and very unorganized. I am extremely upset with their rude and ruthless behavior. I had so many payments scheduled, which are cancelled and caused me late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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:
Hello, there is an inquiry that is negatively impacting my credit score. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX and its dated XX/XX/20. This was not done by me, and I filed a dispute with this company via Equifax. They came back and said it was valid, but this is far from the truth. I am a victim of identity theft and have not applied for this line of credit. How did they confirm that its valid? What do I need to submit to have this removed? I have attached a picture of my passport for ID purposes, and have attached a screenshot of my most recent utility bill with XXXX for proof of my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
So I am getting extremely upset. TD Bank reported my balance incorrectly. It reports I still owe a blance when I do not. TD Bank used XXXX XXXX XXXX to help them collect debts. I settled my account with XXXX XXXX XXXX & they are still reporting inaccurate information. I am upset because I am in the process of trying to get a house & the incorrect reporting is prolongong the situation. I settled the account legally for aboiut {$1400.00}. They reflected the XXXX as a payment and is claiming I still owe. Radius presented me the settlement offer I did not call and ask for that amount. This is time sensitive and needs to be chnaged immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am a military veteran who was disrespected and belittled by a female debt collector with whom I spoke with about my car note payment. At the time I was in a financial bind due to the woes of the oil & gas industry along with the threat of COVID-19. Although my vehicle was repossessed I still continue to get harassing phone calls from Global Lending LLC ; of South Carolina in regards to paying the debt. Im not employed because of the current pandemic which is very much stressful as is and unable to provide for my family on a normal basis. Im seeking your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: CA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if the need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) *******

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
An inquiry was made to pull my credit report. Quicken loans does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Around XXXX on XX/XX/2020 I tried to open an account with BB & T at the XXXX. XXXX branch in VA. I was told that in order to go inside the lobby to open an account I would need to wear a mask. They did not have any masks to provide to me and the woman who told me this wasnt wearing a mask herself. She claimed that it was a requirement to wear the mask if I wanted to open an account there. I was discriminated against and unable to open an account because I did not have or wear a face mask.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
So I am getting extremely upset. XXXX XXXX  reported my balance incorrectly. It reports I still owe a blance when I do not. XXXX XXXX  used Redius Global Solutions to help them collect debts. I settled my account with Redius global solutions & they are still reporting inaccurate information. I am upset because I am in the process of trying to get a house & the incorrect reporting is prolongong the situation. I settled the account legally for aboiut {$1400.00}. They reflected the XXXX as a payment and is claiming I still owe. Radius presented me the settlement offer I did not call and ask for that amount. This is time sensitive and needs to be chnaged immediately

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 2020-07-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An inquiry was made to pull my credit report. XXXX XXXX  does not have my authorization in writing. They used deceptive practices to have me verbally agree to a credit pull. They did not explain that my credit would be pulled. Also, I did not qualify for a home equity loan since I have zero equity in the house. This is the question that should have been asked first before pulling credit. They called me as a telemarketer trying to get me to get a home equity loan, I was not interested in. Not once in the call did the person even state that this was for a home equity loan. I guessed that is what the call was for. I have never had a problem with companies pulling my credit score unauthorized before. Most companies explain that your score will be pulled and ask you if you agree. It that had taken place I would have said no. 

I spoke to the company and I was told that I agreed when the salesperson asked me to confirm my birthday so he could check to see if I qualified. That statement is not a clear authorization to pull credit. The company refuse to remove it from my score and honestly its unfair that I have to ask them to. Its not in their interest to help me or make my life easier.

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 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed multiple items with Equifax & XXXX  and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like Equifaxed got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with XXXX. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD IN FULL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Creditor XXXX is reporting balances for accounts that were included in bankruptcy that was filed in XX/XX/XXXX & discharged on XX/XX/XXXX. ALL Accounts with XXXX should show included in bankruptcy, a XXXX  balance, and no negative pay history after the bankruptcy filing date, which was XX/XX/XXXX. Some of the accounts are reporting correctly with some bureaus and not others. To date, the items reporting incorrectly under each bureau are listed below. These are the ONLY accounts I am disputing - the rest are accurately reporting XXXX balance. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

Equifax Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
2. XXXX  account # XXXX, reporting {$86000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 
3. XXXX  account # XXXX, Reporting {$82000.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XXXX XXXX. 

XXXX  Report : 1. XXXX  account # XXXX, reporting {$34.00} balance & charge offs after bankruptcy filing XX/XX/XXXX & discharge on XX/XX/XXXX. 

I have disputed this issue with XXXX  and all 3 bureaus multiple times and received mixed responses and partial resolutions. ALL of the XXXX accounts should be reflecting included in bankruptcy status, XXXX  balance, and stop reporting charge offs after XX/XX/XXXX. 

Alternatively, they should be deleted, as they all went into repayment in XXXX & XXXX ( see attached account detail docs ) & have never been brought current ( are now >7 years from original date of delinquency ). The creditor disputes that as they state the loans were in forbearance due to bankruptcy from XXXX, but that DOES NOT reset the original date of delinquency - that is illegally re-aging the account. 

I have kept records of all correspondence and I will report this with the attorney general if this is not resolved promptly after this complaint. 

I do not agree that I owe this debt, and nothing in this correspondence is an acknowledgement of owing any debt.

Company response to consumer: Closed with explanation