vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 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: CO

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XX/XX/2014. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-21 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:
I HAVE ATTEMPTED TO CONTACT XXXX XXXX AFTER RECEIVING SEVERAL PHONE CALLS. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I BELIEVE IT TO BE FRAUD! I HAVE BEEN BACK AND FORTH WITH THIS COMPANY AND THE CREDIT REPORTING AGENCY! 
i HAVE DONE SOME RESEARCH AND I BELIEVE THAT THIS IS A SCAM!

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 2020-02-21 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: FL

Complaint narrative:
I had an account on my credit from XXXX and XXXX and XXXX XXXX that I paid and was agreed to be deleted still showing on my credit report. Ive sent numerous documents from the creditors to EQUIFAX stating the accounts should be deleted its they have yet to delete the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TX

Complaint narrative:
I HAVE ATTEMPTED TO CONTACT XXXX XXXX AFTER RECEIVING SEVERAL PHONE CALLS. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I BELIEVE IT TO BE FRAUD! I HAVE BEEN BACK AND FORTH WITH THIS COMPANY AND THE CREDIT REPORTING AGENCY! 
i HAVE DONE SOME RESEARCH AND I BELIEVE THAT THIS IS A SCAM!

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019, denial for a Chase Sapphire Visa Signature account was received with incomplete information about the denial. No response was received form the company as requested by correspondence dated XX/XX/2019. Without that explanation, it appears the company is using age discrimination as part of its business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
unauthorized inquiries on XX/XX/2018 on my cr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed 22 credit  inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Below are the unauthorized hard inquires that are not associated with any open lines of credit on my credit report. 
XXXX/XXXX Inquiry : XX/XX/XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX General Clothing Stores XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX/XXXX  Inquiry : XXXX XXXX, XXXX Specialty - Shoe, Hat, Etc. 
XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CCS Collect Debt Collectors have added a Collections account to my credit report with XXXX, XXXX, and XXXX  that does not belong to me, is NOT my debt and SHOUD NOT be reported on my credit report, especially as a COllections account. Had CCS done even the minute amount of Due Diligence required in verifying debt, it would have known that this collection for Lab Work for XXXX XXXX is NOT MINE. Had i ever received a bill from XXXX, it would have been paid. Had I ever received ANY form of communication from CCS ( including debt verification - which I did NOT ), I would have immediately contacted them and disputed the debt. As i never received any form of collection debt notice or verification required under the FDCPA and the FCCPA, I was unaware of this " debt collection '' until i saw the erroneous Collections alert on my credit report. As I am in the process of qualifying for a new lease, this has caused me monetary damage, loss of time in dealing with this issue, loss of income, among other damages. If this is not IMMEDIATELY removed from my credit report ( I have already had it removed from my XXXX report but remains on my XXXX and XXXX ), I will be seeking legal counsel advice and I will sue CCS and XXXX XXXX for violation of the FDCPA, and the FCCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My dog needed XXXX  so I had to open a CareCredit account. Apparently, when filling out the application there is a checkbox I clicked for a security feature to be added that I was not aware of that was racking up {$100.00} a month monthly charges to my account. Mind you, I work at a credit card company and I would have never signed up for something like this. I was planning to pay this entire balance off 6 months later when I got my bonus before the card started charging interest. This is a huge scam, and not sure how they are getting away with this. I tried to call and get this removed-they were able to cancel whatever benefit this was and only refunded me for 1 month. On top of the $ XXXX monthly fees, that charge was then getting an interest charge. This card was supposed to be interest free for 6 months. This company is a huge scam and the fact that I now have almost {$500.00} additional fees to them is ridiculous

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 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have contacted the collection agency Diversified Consultants @ XXXX spoke with XXXX ID # XXXX and she explained to me that this account was no longer in their hands but with XXXX and to contact them. I told them that this account has been long paid for in full 5 years ago, less than 1 month when they reported it to my credit. I contacted XXXX and they are telling me that they do not have the account listed within them and that they can not do anything about the account. After I was on the phone with XXXX, then XXXX ID # XXXX for over 2 hours. I am disputing this account because they sent it to collection due to a past due bill of {$75.00} when we changed carriers and it was paid within that same month. XXXX is telling me to contact the collection company which I already have multiple times. I would like to get this account removed from my credit bureau as this is not a correct collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
unauthorized inquiries from microbilt corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: AL

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed 6 credit inquiries that I find to be problematic please remove the unauthorized credit inquiries XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Tip

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 2020-02-21 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: AL

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed 9 credit inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible  convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, below are the unauthorized inquires that are not tied to any open lines of credit. 
XXXX XXXX XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX  Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX XXXX Inquiry from XX/XX/2019 Misc.

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 2020-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have 3 accounts with Synchrony Bank, one called " HIGH Yield Savings '' and the bank has locked my account and will not let me withdraw my funds. They haven't sent me statements for over a year. I called to find out why they have this lock. The first agent refused to tell me. She is located in the XXXX. I finally got her to transfer my call to her supervisor, in XXXX. He tells me that when I opened the account through an electronic transfer well over a year ago, I did not have sufficient funds in my account at the XXXX XXXX XXXX XXXX, and they placed a lock on my account. I was never notified of this by either Synchrony Bank nor by the XXXX XXXX XXXX XXXX. I doubt that this happened. In any case, when they did get the funds they did not release the lock. They, at the moment, still have a lock on the account and tell me it will take several weeks to release the lock!

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 2020-02-21 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
unauthorized inquiries on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I have been disputing an XXXX XXXX account, acct number XXXX for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.

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 2020-02-21 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: OH

Complaint narrative:
EQUIFAX REFUSES TO REMOVE A BANKRUPTCY OFF MY CREDIT REPORT EVEN AFTER THEIR SISTER COMPANY XXXX WHO PROVIDES EQUIFAX 3RD PARTY INFORMATION REGARDING THIS MATTER HAVE REMOVED IT FROM  THEIR DATABASE. LETTER ATTACHED FROM XXXX. 

THE FAIR CREDIT REPORTING ACT STATES THAT A BANKRUPTCY " CAN '' REMAIN ON YOUR CREDIT REPORT FOR " UP TO '' 10 YEARS WHICH IS THE LEGAL MAXIMUM, NOT THE MINUMUM. THEREFORE IT CAN BE REMOVED EARLY. 

XXXX & XXXX BOTH HAVE REMOVED THE BANKRUPTCY OF 6 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Lendmark Financial Services
State: GA

Complaint narrative:
unauthorized inquiries on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
On XX/XX/2020 I was informed by my real estate agent that there was a collection on my credit report that resulted in me being considered a risky tenant and that I would now need a guarantor due to the impact of this collection on my credit report. On XX/XX/2020 I contacted XXXX to file a dispute and reached out to Southwest Credit Systems to investigate the alleged account further. The account was listed as being opened XX/XX/2020 and was in collection for 30 days for the original amount of {$26.00} and was now at {$33.00}. However, I was never contacted by the company about the alleged account. When I called Southwest Credit Systems I was not notified of my rights, but they asked for personal information to retrieve the account, which they were unable to locate. I gave them identifying information that they should have had on file, yet they could not find the alleged account that was showing on my credit report and now costing me unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: Uplift, Inc
State: CA

Complaint narrative:
In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.

Company response to consumer: Closed with explanation