vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: PA

Complaint narrative:
I received an alert via email from my bank that someone pulled my credit report from TransUnion. I looked up my report online and discovered that on XX/XX/2020 a credit union I do not know, recognize or have ever done business with pulled my report. Listed on my credit report inquiries is Type of Industry : Credit Union XXXX : XXXX XXXX XXXX XXXX XXXX CO XXXX Phone Number : ( XXXX ) XXXX I could not get through to this number by phone or to TransUnion by phone, additionally, TransUnion offers no email address to email a fraud complaint. 

It appears that someone may be gathering my credit data illegally.

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 2020-06-04 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 

FTC Compliant # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Us Department Of Edu XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed XXXX Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX  XXXX Us Dept Of Education XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX  XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Us Department Of Edu XXXX Dept Of Ed/XXXX   XXXX Dept Of Ed/XXXX  XXXX Dept Of Ed/XXXX  XXXX Dept Of EdXXXX XXXX Us Department Of Edu XXXX Dept Of Ed/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 explanation
Consumer complaint received 2020-06-04 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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
account # XXXX This is a business credit card that serviced real estate investing business that is now permanently closed since XX/XX/2020. The business did not qualify for a Govt. PPP ( Corona Virus Emergency Loan ) and therefore had to lay off 10 employees and close the business.

As the responsible owner understanding that I personally guaranteed this credit card, I am WORKING hard to try to work out a solution with Capital One but Capital One has only offered to push payment dates back despite me alerting them to the fact that this is a LONG term issue and it needs to be addressed today. Resetting the payment date was helpful the first month, but now that we are in month 3, it needs to be responsibly addressed. 

I am in a position where I can " possibly '' make the payments on the card but at a reduced rate or structured payment plan. The current terms of the card on a CLOSED business due to COVID -19 is beyond unfair, unmanageable and can not continue. 

My attempts to handle this call with Capital One over the phone has been met with being put on hold for obscene amounts of time only to be told, " we can not help outside of resetting your monthly payment for 30 days but ALL interest will still accrue '' Unfortunately I am getting the feeling that Capital One wants to abuse the situation and squeeze every last drop of pennies out of its Business Card customers. According to the CARES ACT, financial institutions are obligated to work with customers and not outwardly push customers into poor credit reporting situations or bankruptcy. I should not have to be 60 days late to be assisted during this situation. That act would be predatory and unfair. 

Again, I am only asking for Capital One to assist with setting up a payment plan at a reduced interest rate without harming my personal credit due to the business closing in lieu of the COVID - 19 Pandemic. We all need help and I am trying to rectify this responsibly but I need cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from experian has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the 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 2020-06-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

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. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

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. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MI

Complaint narrative:
We paid a debt for medical services and provided a receipt and bank statement proof that it was paid. They called threatening to send our debt to collections several times despite us asking to only communicate by certified mail. We then paid the debt a second time, due to the threats. Now, we are being harassed by a collection agency with calls and mail asking for the debt. When asked, the original creditor would not contact the collection agency to retrieve the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Today I finished with the process of freezing my minor 's credit by sending three packets of requested information to XXXX, TransUnion and XXXX. XXXX and XXXX  provide forms and ask for copies of documents, which is not a problem. TransUnion does not provide a form, and requests an official copy of the childs birth certificate. I sent a copy of the birth certificate rather than an official copy, as I will not provide such a " breeder '' document to anyone outside of the governments. Please help change the way TransUnion makes it more difficult to protect our minors credit. 



TransUnion TransUnion XXXX. XXXX XXXX XXXX, PA XXXX -One copy of your government issued identification card, such as a driver 's license, state ID card, etc. 
OR -One copy of your Social Security card OR -One offical copy of your birth certificate -One official copy of the child 's birth certificate -One copy of the child 's Social Security card -If you are the child 's legal guardian, a copy of the court document naming you as the guardian or other appropriate court appointed documents -A written request to place a protected consumer freeze on the named individuals file No form. Must include a written request to place a protected consumer freeze on the named individuals file

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 2020-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This is a police report that goes along with complaint number XXXX. I have filed a police report, report number XXXX, with the XXXX Police Department regarding my Identity Theft. I have attached this report to this complaint. 

XX/XX/2016 I had my identity stolen and there was a Kohl 's credit card opened in my name. I have filed an Identity Theft Report with the Federal Trade commission, as well as the XXXX Police Department. 

I'm requesting that Kohl 's immediately remove this from their system as well as the 3 credit reporting agencies ( XXXX, XXXX  and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: IL

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. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD

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 2020-06-04 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: DISCOVER BANK
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX. 
I had a discover card around XXXX and missed two payment because my bank account was in overdraft in XXXX and XXXX of XXXX. These late payment occurred to the financial hardship that I had as a college student. Therefore, I would like to know if they could be removed. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
2 accounts show for Comenty Bank | Ann Taylor Loft, the second account with a credit limit of {$2700.00} was negotiated pay for delete. Payments arrangements were made and the balance was paid in full. Reflecting a charge off ( CO ) is  inaccurate as this debt was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: IL

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. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: IL

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. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD

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 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a letter from Chase dated XXXX XXXX which says they are decreasing my credit limit from {$14000.00} to {$7300.00} because they say I spent far below my available credit limit in the past 12 months. I have had this Visa account with Chase since XXXX. My credit score according to their mobile app is XXXX. This is absolutely ridiculous and could damage my credit score because I will now have less available credit limit to offset any balances. 
They provided no other reason. I have not been late on this account or over the limit and maintain a high credit score and have very little debt. When I contacted Chase I was told there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX or there about, I was advised by my credit monitoring service that a hard inquiry had occurred on my report from 5/3rd bank. I had not authorized any such inquiry. I am president of a corporation that is in a suit against 5/3 bank tho I am not signed personally on this loan. The bank is in negotiation to settle the claim with me. I believe there actions where intensional Im an effort to determine my personal ability to loan the company funds to pay the debt. It was a credit line with which they called due with no notice s as Nd no default. They obtained fraudulent service claiming the suit was hand delivered to an employee I havent had for years accepting the document for service now to find my financial ability they ran my personal credit without authorization, this is what they do, anything they want to!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: FL

Complaint narrative:
I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: FL

Complaint narrative:
I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES 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 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

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 2020-06-04 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 HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}

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 2020-06-04 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: AR

Complaint narrative:
I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE INCUDING A CHILD SUPPORT DEBT. I AHVE NEVER BEEN PUT ON CHILD SUPPORT. I NOTICED IT BECAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASN'T APPROVED SO IT PROMPT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AND NEED TO BE DELETED FROM MY CREDIT REPORT. 
XXXX {$280.00} XXXX {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: GA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 
XXXX {$760.00} XXXX {$400.00} XXXX {$2500.00} XXXX {$2700.00}

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