vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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: DE

Complaint narrative:
My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX, De XXXX My phone number is : XXXX My employer is : XXXX XXXX Please remove anything on my consumer reports that does not reflect this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
On XX/XX/2021 I filed a complaint about the actions of I C system and the fact that they communicated with a relative of mine in regards a debt that they are trying to collect. I also complained that as data furnishers they failed to provide the CRAs with 100 per cent accurate information which was listed on my credit file. These are violations of my rights as a consumer and are very injurious to my financial health. I C System sent me a letter ( see attached ) stating that as a result of my dispute they will cease all communications as well as any collection activity. They did not cease collections. In fact the very letter in which they stated they would cease collections had a request for payment and they are also still reporting this debt to the CRAs. Its my understanding that credit reporting is an attempt to collect a debt or at lease to coerce consumers to pay debt. I C Systems has not kept their word as to their debt collection and continues to violate my rights.

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 2021-05-23 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 — Problem with personal statement of dispute
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
XXXX XXXX accessed my credit with out authorization I disputed account with no know knowledge informing of fraudulent account ... account was than removed off of my credit report and than placed back on bringing my credit score down by hundreds of points

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: DISCOVER BANK
State: MD

Complaint narrative:
i never got a loan from discover student loans i never went to school in the usa so no need to get a loan discover student loan is reporting incorrect and wrong information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/2019, I deposited {$10.00} and {$100.00} into PNC interest account XXXX. The funds remain on file with PNC. 

PNC is an institution that mails periodic statements to consumers. I did not receive a periodic statement containing the required information in Section 230.6 ( a ) of Regulation DD. 

In addition, in violation of Regulation DD, Section 230.7, PNC has not credited me with the interest promised in the account agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: AZ

Complaint narrative:
XXXX XXXX XXXX is knowing reporting inaccurate information on my credit report. Experian is allowing them to do it. 

1. {$0.00} Balance this account is settled and should not even be on m credit report, The balance that the company is reporting is {$0.00} -However in the comments company reports their is a balance. 

2. Date Opened is Inaccurate 3. Date of Last Activity is Inaccurate - Company is reporting Date of Last Activity : XX/XX/17 - Company is reporting last payment : XX/XX/17 -Company is reporting in payment History last payment : XXXX 4. Company is reporting Repossession - I never received Notice of Right of Redemption - I never received Notice of Right of Reinstatement - I never received Notice of Default - I never received Notice of Sale - I never received Notice of Deficiency Balance Please remove this in accurate item off my report immediately 5. Experian keep allowing this company to report inaccurate information on my credit report. 

6. Attached is a copy of this item on my credit 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 2021-05-23 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: DISCOVER BANK
State: MD

Complaint narrative:
discover financial services is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I found out that MRSBPO LLC had opened a collections account via a credit monitoring service as derogatory mark against my account. The account was opened XX/XX/XXXX. 

Previously I had no notification, or contact with MRSBPO LLC. The original account was a XXXX account which had an additional month of service billed after cancelation of the account, which was disputed with XXXX. 

Originally it was attempted to be resolved directly with XXXX but they did not have enough length of record to determine why this additional month of service was owed. XXXX refused to drop the amount, even though I had record of all months of service paid in full up to the receipt and confirmed date of return of equipment. Which by direction of XXXX themselves, was to be specifically XX/XX/XXXX in order to NOT incur another month of payment. 

This debt was passed to collection. A company called XXXX XXXX XXXX opened a similar tactic account with out ever contacting me. This was submitted in a previous CFPB complaint ID : XXXX. 

XXXX XXXX was supposed to send me written debt verification, we sent some emails, confirmed mailing address, etc. Talked with them on the phone, they closed the account they had opened on my credit with OUT verifying debt. And then never sent me anything or called me back, etc. 

It appears they just passed the account on to MRSBPO LLC. Which some background research has lead me to find that they attempt to notify XXXX accounts by sending a MMS message image to phones. A tactic commonly utilized by scammers and is prone to being automatically filtered by anti-spam software on newer smartphones. 

Having never sent a written letter ( which a correct address would have been confirmed from the dealings with XXXX XXXX ) or a voicemail, phonecall, etc. 

When I called them to notify they had fraudulently opened my account with out ever making a meaningful attempt to notify or verify the debt they denied they had done anything such, and suggest I provide my attorneys number. 

I expressed to XXXX XXXX that I had a full record of my payments to XXXX from starting service, which XXXX themselves admitted they do not even have. Of which I payed in full ever month of service up to my physical return of the equipment. 

At this point the account is just being bounced from agency to agency and they are utilizing damage to credit score to bully a payment. 

Attached was the originally disputed account from XXXX XXXX, the last email correspondence and the new account as reported on credit monitoring services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are 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 2021-05-23 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are 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 2021-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I mailed a check XX/XX/2021 for my mortgage someone stole my check used the routing number and my account number made the check out to someone and changed the amount of the check to XXXX, the person did not even sign my last name on the check clearly it was fraudulent Fifth third bank honored the check and the thief got my hard earned money, I filed a dispute with the bank, made a report with the police department, was told fifth third would reimburse my money it has been over 10 days and when I call the dispute line I get nothing but excuses, when I call t he bank manager she talks fast and gives empty promises I tried to close the account they said " No '' not until they reimburse the money a hold was put on the account, I tried to close my other two accounts and they gave me the run around, we don't have that kind of cash on hand or you need to make an appointment to close your account, I filed an investigation with fifth third on XX/XX/XXXX th and nothing has changed, I just want my XXXX that they let this XXXX take out of my account this person signed my first name and didn't even bother with my last name and they still let him get away with alot of my money, I want my money back and to be allowed to close my other two accounts in peace and they will never see me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: AZ

Complaint narrative:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX is inaccurate reporting an item on my credit, XXXX  XXXX TransUnion and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and XXXX XXXX and TransUnion correct and remove this inaccurate info from my credit 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 explanation
Consumer complaint received 2021-05-23 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: AZ

Complaint narrative:
XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX inaccurate reporting an item on my credit, Experian XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact XXXX XXXX XXXX and Experian, XXXX  and XXXX  correct and remove this inaccurate info from my credit 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 explanation
Consumer complaint received 2021-05-23 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
american express is reporting incorrect information on my credit report i have never had an american express credit card they must have mistaken me for another person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CA

Complaint narrative:
On XX/XX/2020, through XXXXXXXX XXXX  XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company ( TransUnion ) on two separate occasions but they simply ignored my two items of correspondence.

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 2021-05-23 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact National Credit Systems and XXXXXXXX XXXX  and XXXX correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CA

Complaint narrative:
On XX/XX/2020, through XXXXXXXX XXXX XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company XXXX XXXX XXXX on two separate occasions but they simply ignored my two items of correspondence.

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 2021-05-23 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: MD

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report i have never had an XXXX XXXX credit card they must have mistaken me for another person

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 2021-05-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX is reporting incorrect information on my credit report i have never had an XXXX XXXX credit card they must have mistaken me for another person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: NC

Complaint narrative:
A XXXX credit card was opened using my name and SS #, leading to a charge-off on my credit reports. I reported the identity theft to FTC identitytheft.gov. XXXX and XXXX  have both removed the card and charge-off from my reports. TransUnion refuses to remove the identity theft, the card, and the charge-off. They claim the information is correct.

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 2021-05-23 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: MD

Complaint narrative:
i never got a loan from XXXX XXXX XXXX  i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit 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 explanation
Consumer complaint received 2021-05-23 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: MD

Complaint narrative:
i never got a loan from XXXX XXXX XXXX i never went to school in the usa so no need to get a loan XXXX XXXX XXXX is reporting incorrect and wrong information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: MD

Complaint narrative:
i never got a loan from XXXX student loans i never went to school in the usa so no need to get a loan XXXX student loan is reporting incorrect and wrong information on my credit 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