vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-17 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: CT

Complaint narrative:
Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank

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 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I called Capital One today to find out why I as being charged Interest Charge : Cash Advances when I have not taken a cash advance in so many years, I can not even remember the last time. I spoke to XXXX who credited me for the current charge of {$53.00} on my statement, but she could not credit me for any previous statements. All she could see is that Ive been charged approximately {$50.00} every month for interest charge : cash advances since XX/XX/2018. It could have been happening even longer than that as her system could not go past that date. 

As a result, I have closed my account. Ive been a GM card member for over 20 years. To learn that Capital One has been fraudulently charging me interest on cash advances I am not taking is disheartening to say the least. Then, to not even be offered an investigation in to these prior charges and being credited for them speaks volumes to their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/20, I tried multiple times to temporarily unfreeze my credit report at Experian throught their online portal as my husband and I are refinancing our home. I received a mesage that they couldn't process my request online and that I'd have to submit a significant amount of documentation via the U.S. mail to obtain a PIN to then be able to unfreeze my report. When submitting my request online, I provided my correct PIN information and all other correct information so I'm unclear as to why Experian can't process my request online. I then have tried calling Experian about 10 times today and can not get a hold of a real person. I really do not want to have to send my SSN via U.S. mail and risk it being compromised. I unfroze my consumer report at the other two Bureaus - XXXX and XXXX  - within minutes. Experian is incredibly non-consumer friendly and makes it incredibly prohibitive to remove freezes. Now, I willl likely miss out on a good interest rate because it will now take me about two weeks to get my security freeze lifted.

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 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I set up payment arrangements with this collection agency called GC Services Limited Partnership who is representing XXXX. The agreement was to pay XXXX a month starting XX/XX/XXXX, I made a XXXX payment on XX/XX/XXXX, which was my 2nd payment. On XX/XX/XXXX I called to make a XXXX payment, and this is when I was told by an agent with GC Services that they need 25 % the day that I called XXXX XXXX ) and the balance by the XXXX XXXX And if I didn't make these payments they would use any cards or checking account that I ever used to collect this money. I have a print out that GC Services sent me with the payment arrangements I also received a letter from XXXX dated XX/XX/XXXX stating the same thing as GC Services. I didn't think too much about the letter because I had made the arrangements. with GC Services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17 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: TX

Complaint narrative:
I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX  XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX XXXXXXXX XXXX XXXX {$93.00} XXXX  XXXX XXXX XXXX {$120.00} XXXX  XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX  XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

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 2020-02-17 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: AR

Complaint narrative:
I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX AR XXXX {$0.00} XXXX AR XXXX {$230.00}

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 2020-02-17 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: AR

Complaint narrative:
I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX  XXXX  XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$230.00}

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 non-monetary relief
Consumer complaint received 2020-02-17 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

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 2020-02-17 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have never received any paperwork from EOS CCA identifying who they are, what they are collecting for, or why! I have never heard of them, but they are on my credit report! I've disputed the account multiple times with the credit bureaus and EOS CCA and I have been told by the bureaus that it's been verified by EOS CCA! HOW? The only way I've ever gained any information is from an auto dialed call to my work, they did not say they were debt collectors or what their business was! I only recognized the name of the company from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: CT

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XX/XX/XXXX/XX/XX/XXXXXXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date. 

Thank you.

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 2020-02-17 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: CT

Complaint narrative:
XXXX ( XXXX XXXX XXXX ) made an unauthorized " hard pull '' of my credit report on XX/XX/XXXX. Their address is as follows : XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

XXXX, under the name of XXXX XXXX XXXX/XXXX  XXXX, also made soft pull requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These report request are evidence of credit card fraud by a third party or unauthorized use by XXXX and XXXX/XXXX  XXXX XXXX. 

Please remove the record of those four ( 4 ) pulls at the earliest possible date.

Thank you.

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 2020-02-17 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

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 2020-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I spoke with an agent that identified herself as XXXX last week. I told XXXX that I disputed the bill. Because I gave notice to my previous apartment complex of my intent to vacate. XXXX told me that my dispute was invalid. She stated that I could not dispute it. That my bill was due to insufficient notice to vacate. I informed her that in fact provided proper notice. She told me that I could send an email to request verification. I was given the following email address iqdata-inc.com. 

I called again on today on XX/XX/XXXX. Because I tried to send an email to the address numerous times. However, I keep receiving an error message saying it was not a valid email address. I again spoke with XXXX. I asked for the email address again to verify. She refused to provide it. Stating that she had already given it to me. And that the debt was valid. As well as I had missed the time frame to dispute it. I explained that the letter that IQData sent me was dated XX/XX/XXXX. So I was within the 30 day time frame according to law. She then stated that the debt was XX/XX/XXXX. So the dispute time had passed. Informed her that she was violating FDCPA by using fase, deceptive and misleading means. She became increasingly abusive stating that I am barely XXXX years old. Eventually she hung up on me.I recorded the conversation should I take legal action. It is too large to upload here. 

-- XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

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 2020-02-17 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:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my TransUnion credit report on XX/XX/XXXX to review the only credit card listed - XXXX XXXX ( XXXX ). 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my XXXX  XXXX  Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached TransUnion credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 )  Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, XXXX is now reporting it as {$0.00}. 

Enough already ... the account was Closed by XXXX on 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 2020-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
XX/XX/2020 XXXX Rausch Sturm Israel Enerson & Hornik LLP is representing XXXX XXXX ; Called and was on hold 10 minutes and response said to leave message i.e left message they are calling wrong number, the person they are looking for is not at this number ( XXXX ) and I am not that person. ( XXXX XXXX XXXX ) I do not know that person. Have their Client XXXX XXXX Remove my number from their system and do not call again. I have informed XXXX XXXX of the above information and to remove my number fro their system and do no call it again. I have had this number for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card/Goldman Sachs holds payments for 10 days before applying them to your account. They receive the money from your bank, mark the transaction as complete in your account, but refuse to apply the payment to your available balance for up to 10 days. For no rhyme or reason. When you contact them about it they don't give you a sufficient reason. They say it depends on your payment, account, and bank. Then they try to push you into using their product Apple Cash in order to get your payment credited immediately. 

I have never had a credit card tell me that paying directly from my bank, especially after they've already received the money that it was a problem. 

This is an issue and the ambiguity around who they are making wait 10 days questionable. I did XXXX this issue and found people complaining about 3-5 days lag times but never 10 days like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17 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: Convergent Resources, Inc.
State: NY

Complaint narrative:
I noticed that I have a fraudulent account on my credit report i did not have no knowledge and gave no authorization i would like this fraudulent account off my report the account is convergent outsourcing $ XXXX it was opened on XX/XX/18

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