vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im filing a complaint against Equifax about the information being reported on my credit file. 

I reviewed a copy of my credit report and XXXXXX/XX/XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I have asked Equifax to Please contact XX/XX/XXXX and XXXX XXXX to investigate such an occurrence. 

I have requested four written updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Also, as part of their investigation, I asked Equifax to please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

I have told them several times My name is : XXXX XXXX XXXX NOT XXXX XXXX XXXX and have asked several times to remove it. ( REMOVE IMMEDIATELY ) Equifax Also has known as XXXX XXXX XXXX and XXXX XXXX XXXX I have asked several times to Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses Reported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XX/XX/XXXX GA XXXX ( REMOVE IMMEDIATELY ) I have asked several times to update My Current Employer is XX/XX/XXXX ( since XXXX XXXX and please update my file to reflect my current employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXXXX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls

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 2021-01-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through XX/XX/XXXX data breach and stolen identity. yet my credit is constantly running without any alert of this or calls

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 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XX/XX/XXXX to release my medical records to paramount recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: FL

Complaint narrative:
Just recently, upon checking my credit reports, I found thatXX/XX/XXXXhas yet again placed a fraudulent collections account on my record under both names XX/XX/XXXXand Collection Bureau of the Hudson Valley. ( same account XXXX Original complaint number XXXX. - Submitted to the CFPB on XX/XX/XXXX I originally submitted a complaint on XX/XX/XXXX regarding this same exact account, ( complaint number above ) at that time XXXX had a company called XXXX XXXX XXXX reach out to me regarding this collections. At that time, I was told by XXXX XXXX XXXX that I would need to reach out to XXXX directly to try and solve this issue. 

As stated in my previous complaint regarding this company ( complaint # XXXX XXXX " I called and spoke with customer service on XX/XX/XXXX and was told in order to prove my identity and have the collections removed, i would need to submit proof of my address during the month of XX/XX/XXXX. The same day I spoke with the representative in the collections department at XX/XX/XXXX I submitted the proof via the email I was given, i submitted my ID, along with my bank statement and my auto loan statements, although that was not required. " I called the morning of XX/XX/XXXX and spoke with a customer service rep in the same collections department who confirmed that the information had been received. 

THIS NEEDS TO BE REMOVED NOW! THE DEBT DOES NOT BELONG TO ME AND THAT HAS BEEN PROVEN After submitting my initial complaint on XX/XX/XXXX, I got a response from XXXX XXXX XXXX stating that had reached out to optimum and were unsuccessful at getting any Information regarding the account therefore they were ceasing all collection activity and the account was removed, as it should've. 

This account has reappeared on my credit reports. Ive already sent in the information requested to optimum in order to verify my address as requested so I will not be providing any more Information to this company. 

Please remove this now! Its bad enough we are in the middle of one of the worst pandemics in American history, but to try and take advantage of people during this time is seriously sickening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld system 's XXXX DE XXXX without any notice put XXXX collection on all three credit beauros. I called them they failed to know much except they bought the debt from original creditor and I was living in XXXX in XX/XX/2016 not on XXXX XXXX in XXXX tx. This is all they could give me. Refused to give me any verified Information about account XXXX. They admitted not having a contract with me and not having proof I gave them consent to have my private information. They were noticed they committed identify theft extorting me for money and harmed me putting it on my credit report without proper notice of me owing them any kind of debt. Basically said pay it or sue us knowing it would cost more than XXXX to sue to get it off my report. Original creditor is supposed to be direct energy and I used first choice on XXXX XXXX never lived on XXXX XXXX. They failed to verify I had lived there as well. Texas statute of limitations says 4 years to collect a debt. I informed them they are breaking statute of limitations they didnt care as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to Transunion and XXXX twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another 17 points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.

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 2021-01-02 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: WI

Complaint narrative:
The remaining balance with XXXX finance was written off in XX/XX/2018. This company has illegally reported late payments and an open account to XXXX and Equifax twice since XXXX. On XX/XX/XXXX my credit score dropped 20 pts. On XX/XX/XXXX my score dropped another XXXX points when they unlawfully reported a late payment on a closed account and the account was re-opened. I will Sue this company and the credit bureaus if this account is not removed from my credit reports under the FCRA. There can not be new missed payments on a 3.5 year old charged off account causing my score to plummet. I have attached documents showing their illegal procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: CA

Complaint narrative:
On or about XX/XX/2020 I contacted Lending Club and asked for assistance with my payment as I had recently incurred additional expenses and I need their help. They offered to reduce my payments for 2 months. I was concerned this would negatively affect my rating with them. The representative assisting me assured me there would not be a negative rating with them nor would it report late to the credit bureaus so long as I paid my modified payments on time. I authorized them to take a payment from my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Approximately two weeks later I received a call from Lending Club advising me that due to a system error on their part, my payment on XX/XX/XXXX did not process. I asked them if this would reflect negatively on my account and they assured me it would not. I asked them to process the payment that day and again on XX/XX/XXXX. Approximately 1 week later, I received another call from them saying once again, due to a system error, my last payment did not process. But they were going to process two payments ( very inconvenient for me ) and they identified the problem on their end and it would not happen again. The rep repeatedly reassured me everything would be back dated and there would be no negative reporting to the bureaus. Despite their repeated reassurance that there wouldn't be any negative reporting, I received an alert from XXXX that my Lending Club account was now 30 days past due!! I have spent the last two weeks trying to get a Supervisor to call me so I can get this issue resolved, and no one has called me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC
State: TN

Complaint narrative:
I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XXXX  XXXX  XXXX  to release my medical records to elevate  recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/2020 I received notification that this debt collector company Reliant placed a collection under my name for a school I've never attended. I have not attended any colleges in my entire life. I would like for this derogatory information to be removed immediately. This company has failed to provide me with the following information to prove this account belongs to me. Application with my name, date, hours attended, classes, etc to show I was attending this school. They are breaking the FCRA law and I demand this debt be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
There is interest added to my balance for interest charges. It is preventing myself for paying off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are two account that say they are BB and T, I am currently in the hospital with XXXX XXXX and I know nothing about these account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corp is trying to collect a medical debt in the amount of {$840.00} on behalf of XXXX XXXX XXXX. I was seen at XXXX XXXX which files under XXXX XXXX XXXX on XXXX  XX/XX/XXXX. XX/XX/XXXX did not file the claim with insurance as they were supposed to. Insurance information was provided to them on several occasions. I was previously seen at XX/XX/XXXX XXXX XXXX in XX/XX/2016 on the XXXX  and XXXX  which was billed to insurance. So there is no reason as to why they are choosing to not to have filed this claim with insurance as they should have done. It is now negatively affecting my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
Got her report on my credit score telling me someone in Alabama has opened up a credit card using my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I was charged a lot of money my credit score went down and I had my identity stolen from me my email is on a dark website and I dont understand whats going on I need my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: TN

Complaint narrative:
The credit inquiries below are damaging to my credit rating. I have asked Transunion multiple times to provide full documentation regarding the circumstances surrounding their release of my credit report pursuant to the permissible purpose provisions of the fair credit reporting act. I have also filed a FTC report with the following inquiries and they failed to respond to my request for removal. 

1.XX/XX/XXXXXXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX 3XXXXXX/XX/XXXX XX/XX/XXXX 4.XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX 5.XX/XX/XXXXXX/XX/XXXX 6.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 7.XX/XX/XXXX XX/XX/XXXX 8.XX/XX/XXXXXX/XX/XXXX 9XXXX XX/XX/XXXX If Transunion can not provide such documentation, they are obligated to remove the offending inquiry at once

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 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Because I have disabled my Coinbase account because of the hack I do not have access to exact dates, numbers, however I can express my actions. In late XXXX it seemed the first initial hack. Since then it is believed that XXXX has been taken from my crypto sent to the same crypto address. I emailed coinbase about this and then decided to disable my account while I await further response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I opened a checking and savings account with Alliant Credit Union. Once my card came in the mail I attempted to activate it. I came to realize my account was restricted and " under review ''. 

Alliant verified my identity when they opened my account and I haven't been able to add money to account so there is no suspicious activity on the account. This makes no sense, I have a XXXX XXXX credit score and I also applied for a credit card, I can not open the secured decision letter online because the online banking is also restricted. 

I feel like I'm being discriminated against for age and race, if Alliant is a Fair Opportunity Lender then they should treat me as such.

Company response to consumer: Closed with explanation