vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: OK

Complaint narrative:
XXXX, XXXX is reporting on my Transunion and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!

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 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc.
State: TN

Complaint narrative:
I have a total of 5 accounts for medical bills with Healthcare Receivables Group. I attempted to pay off two of these accounts, and have those two accounts removed from my XXXX credit report. I was told by the supervisor, XXXX, that the policy with the company was they would not report those accounts as paid in full to the credit agency until I paid off all 5 accounts. I do not feel this is a fair practice as each account was put on my credit at different times, each account has different dates of service, and different amounts. This company has already closed all 5 accounts on my XXXX score even though they are not paid in full. I want to file a complaint because I feel a debt agency should not hold my paid in full accounts " hostage '' for me to pay the entire amount that is owed. Points were deducted from my credit score for each account, so each account that is paid in full should then be submitted back to the credit agency to increase my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Well One of the Company is a bank Some how I recieved to accounts of checks with defen account Numbers and I never had an account with them. 

the other is someone in XXXX PA is useing My Name too!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
I don't entirely know if this complaint is going to the right place but here goes. 

I got a text message at roughly XXXX XXXX  on Friday, XX/XX/XXXX stating the following : USBANK : Your bank account is temporarily limited due to suspicious activities, visit XXXX XXXX XXXXXXXX for account verification. 

I did not open the link. This came off as immediately suspicious because I don't bank with US Bank. This is clearly a scam/phishing scheme and I just wanted to report it. Thank you for your time!

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 2022-02-11 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: NY

Complaint narrative:
Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with 100 % I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance

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 2022-02-11 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: NY

Complaint narrative:
Hello, I am writing to you regarding the big scam in my own credit report. I got unknown account and inquiries that I do not recognized. I checked my credit report and with XXXX XXXX I can say that this account and inquiries are not mine. I have no idea how come I have it my credit report. But the only what I want is to remove these items because I prefer to have information that is mine in my credit report. Please apply the investigation and remove them from my credit report. I filed Identity theft so therefore You would see what items to remove. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a postcard from CITIZENS BANK stating I would earn {$700.00} if I opened and maintained both a CHECKING ACCOUNT and SAVINGS ACCOUNT as per conditions on that card. I DID SO, having a representative assist me to be sure all I 's and T 's were dotted and crossed correctly. I tried to transfer funds as quickly as possible, but I could NOT due to CITIZENS BANKS 's limits on transfers. I thoroughly followed ALL instructions as I could. NOW, they are refusing to follow through and pay me what they owe me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
Hello, On XX/XX/2021, I contacted XXXX XXXX to cancel my internet service due to selling my home. I was asked if I would like to suspend my service, and I declined. I asked for the final amount that I owed. A bank draft was issued for XXXX. As far as XXXX was concerned, I was done. I received a collection letter from XXXX late XX/XX/2021, and immediately paid XXXX. I also filed a dispute with each credit reporting agency ; XXXX, Equifax, and XXXX. XXXX deleted derogatory from XXXX, but not Equifax and XXXX. I have confirmation of XXXX noting Deleted. After I closed on my home XX/XX/2021, I also closed on a lot to build a smaller house. I applied for a Contruction/Permanent One Time Closing Mortgage and was approved. Hired a Contractor, Had an Environmental Company do research on the lot and apply for XXXX and XXXX permits to build on the lot. This cost {$21000.00}. ( It has taken 12 months to get my permits ) During this time, not knowing it would take this long, I have spent 12 months in a friend 's guest bedroom with 3 small dogs ) At the time, I worked at XXXX 's as their Electrical Engineer, and was able to buy XXXX worth of construction materials at cost, knowing that supplies would be shaky in the future. So, I have XXXX in the lot, plus Environmental/Permits Costs XXXX and construction materials for a total of XXXX. At 71 and having Excellent credit all my life, the collection report, has brought my life to a complete halt. I have worked on this problem since first filing a dispute in XXXX of 2021, and most recently the last 6 weeks with XXXX and XXXX and the credit agencies. I am at a loss as to how this can happen and can not be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: OK

Complaint narrative:
XXXX, XXXX is reporting on my XXXX and Experian credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!

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 2022-02-11 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: ProCollect, Inc.
State: OK

Complaint narrative:
Procollect , INC is reporting on my XXXX and XXXX credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX flight via XXXX 's Rewards program with my XXXX points at a value of roughly {$270.00}. I needed to cancel this flight, and I was told by XXXX Customer Service that the value would remain as a flight credit with XXXX, and that I could simply check the Rewards portal for the flight info for reference when I wanted to rebook. 

When going to reference that info this past XXXX XXXX, XXXX, I've found that NONE of my previous flight information is in this portal, despite having taken several other flights over the past year via this program. When attempting to work with XXXX Customer Service, I was informed that they do not have ANY records of me having taken previous flights. I asked if this was a system error, and informed them I've taken many flights with them in the past year, but they were unable to provide an answer. After messaging their Customer Service team again and asking what else can be done, they have confirmed that unless I have the exact reservation number, which should be available for reference in my account but is not, there is nothing else they can do. At this point I am now out that {$270.00} in points, along with hours of my time and a lot of frustration. 

XXXX XXXX XXXX XXXX XXXX has essentially failed to retain critical financial records pertaining to my account, and is unable to retrieve them. 

Attached : - Message conversation with Chase - Screenshot of both credit card accounts showing " No previous flights found '' - Email receipts showing that I have, in fact, taken flights with them in the timeframe they say I haven't

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
My XXXX and I applied to Loan Depot for a refinance on our investment property located in XXXXXXXX XXXX  XXXX. Prior to submitting the application we explained to XXXX XXXX XXXX that we no longer keep large summons of money in our bank accounts because XXXX of our accounts was hacked by XXXX. He assured us that the XXXX reserve would not be an issue. They would not need to see it until closing. We submitted all the documents required and when the loan was conditionally approved Loan Depot requested XXXX XXXX XXXX  in reserve funds. My XXXX and I agreed that we would put the money in our account, but we were not comfortable leaving it there. XXXX XXXX XXXX then contacted us a few days later stating the loan had been restructured and the loan was approved without needing the reserve. I signed the final papers and sent a copy of my XXXX XXXX social security card. XXXX XXXX XXXX phoned me stating that no reserve was needed and that everything was ready for closing. Today we were notified by XXXX XXXX XXXX that they wanted XXXX XXXX XXXX reserve in a XXXX or an XXXX. We are both retired state and federal employees with pensions for the rest of our lives. We gave this company XXXX XXXX XXXX for an appraisal. Our property far exceeded the appraised value and we feel that it was a ploy to obtain our information which they will sell. Since giving our information to Loan Depot my XXXX has been receiving fraud detections on his credit cards which the banks have been able to help stop. We are very concerned that this was a scam from the beginning and that our personal information is now being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: WA

Complaint narrative:
unauthorized inquiries on my report that isn't being removed after several attempts

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 2022-02-11 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: WA

Complaint narrative:
unauthorized inquiries on my report that isn't being removed after several attempts

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 2022-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a pre-qualified offer from this company for a credit line up to {$1000.00}. I filled out the offer and got declined, but I also got a hard inquiry on my credit report. Given I was declined for a pre-qualified offer, I would like this hard inquiry removed from my credit report, as the offer was misleading. I would NEVER have risked a hard pull on my credit report if I thought there was a chance I could be declined. I have worked hard to control the number of inquiries on my report in my attempt to improve my score and this deliberately misleading ad has harmed my credit score with no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
ConServe owns my SBA loan debt, but never attempted to collect on it. Any payments made were collected by Treasury. Despite trying to contact ConServe, I have been unable to speak with them about this debt. For the last two years, Treasury made no collection, and I did not hear anything from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been requesting all three credit reporting bureaus to Delete the following Names, Addresses and Employers from my credit report since XX/XX/XXXX and since then all three credit bureaus have failed to honor my requests without any form of correspondence. I am listing the Names, Addresses & Employers needing to be DELETED below. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from XXXX XXXX  based in California. 
in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. 
I had moved from the place where I was staying when I bought the car. 
soon, in XX/XX/XXXX, the company went to court. 
Case notifications were sent to a wrong address ( former address ). 
on XX/XX/XXXX, a default judgement was entered. 
in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. 
when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. 
after that, XXXX XXXX  went quiet for 2 years. 
in XXXX, XXXX XXXX  again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. 
I went to court, I repeated my claim of not receiving any notification. I was let go home. 
on XX/XX/XXXX, Pacific Credit exchange was assigned of the collection of the debt. 
in XXXX XXXX, Pacific Credit Exchange posted on my credit report. 
I never received a notification or there is no indication that they even tried to reach out to me. 
once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. 
however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. 
since the credit reporting from Pacific credit exchange was posted I have suffered negatively. 
I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. 
all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records pacific credit exchange provided ( it had my old address ).

note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. 
I have not refused to pay except that we are still in courts. 

why would they post on my credit report? 
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