vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
Hard inquiries are correctly reported and are accurate but I was told they all should be removed. Those nine inquiries should have been wiped from the report months ago like I was told they were going to be. They have approval to be removed. They remain on there despite being assured by an agent that they will be taken care of. They should be whiped ASAP as it is holding up my other credit endeavors and is preventing access to future credit opportunities.

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 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Hard inquiries are correctly reported and are accurate but I was told they all should be removed. Those nine inquiries should have been wiped from the report months ago like I was told they were going to be. They have approval to be removed. They remain on there despite being assured by an agent that they will be taken care of. They should be whiped ASAP as it is holding up my other credit endeavors and is preventing access to future credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My XXXX credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my XXXX  credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact rally motor credit to update my credit report removing this negative information to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, XXXX is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My equifax credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my equifax credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact XXXX XXXX XXXX to update my credit report removing this negative information to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am expecting a {$3000.00} bank transfer from Chase. I have a XXXX XXXX XXXX Account. The deposit is for identification replacement purposes, legal expenses, and miscellaneous expenses such as academic, real estate and other expenses like specific types property damage repair. Chase refused the transfer and banking services and would not let me access my own assets. The transfer is from a joint account with XXXX XXXX. XXXX XXXX already authorized the transfer and Chase attempted to cancel it. I would like to know why Chase is playing a grand larceny game again. They also give access to identity thieves like XXXX XXXX instead of approving a bank transfer to authorized parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
My son opened an account with XXXX cable. He added me as a contact on the account. He is a XXXX  and had to change homes due to his mobility. He was sent bills but they never reached him. So the company reached out to me to pay the bill. They said I was on the account. I told them originally I would not pay the bill since it was not mine. About 30days later I contacted the company letting them know I would pay the bill as long as it did not show on my credit report. The customer service personell said she would send me a letter stating that fact. She said I only had to pay this amount {$330.00} to XXXX XXXX and they would not put anything negative on my account. But they and said I owed the balance of {$170.00}. When I tried to reach out both XXXX and Convergent, they give me the run around. Neither says they took the paymant that they both can see on the account. Also, there is a balance, again I was told this would not show up on my credit score. Now everyone at either company say they didnt talk to me, but the payment was there and it is showing on my credit. They both continue to put me on hold and eventually the phone hangs up. I have called three times being on the phone for an hour or more each 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 2018-11-10 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: NC

Complaint narrative:
I previously filed an FCC complaint on XXXX for erroneous billing and failure to credit my account properly. After the depute my bill was credited and it resulted in a XXXX balance.Afterwards I ported to a new company and returned 2 years later. The bill wasnt mentioned and there were no adverse effects when I ported back to XXXX. Almost a year in and collections agency has listed the item on my credit report. XXXX advises the issue was resolved and they aren't showing compensation due on the amount. However, Experian is the only credit reporting agency that refuses to remove it even after several disputes have been entered. In fact they have blocked me from further filing in the matter!

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 2018-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
XX/XX/2018 {$520.00} Debt Collection Agency : XXXX   XXXX, XXXX XXXX XXXX XXXX sent {$520.00} to a debt collector. I am very confused because I used to have XXXX, I have recently closed it like 5 or 6 months ago with no balance. My account was successfully removed and unable to login at all. I have no idea why I am having a debt agency coming at me, I haven't owe any of these from XXXX. I only used XXXX to sell merchandise on 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 2018-11-10 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: TX

Complaint narrative:
I have written to all major credit reporting agencies ( XXXX, XXXX, Equifax ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A )  have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I applied for a rental property and, they used Transunion and XXXX to complete a tenant screening. The credit agencies included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.

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 2018-11-10 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: Equitable Acceptance Corp
State: AZ

Complaint narrative:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
A few months ago, I recieved an email saying that a collections account had been removed from my credit. It was from XXXX XXXX XXXX and just recently I get another email saying I have a new collection from XXXX XXXX XXXX. Now, my credit score has dropped significantly because they added the collection onto my account after they had been removed over two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I applied for a rental property and, they used Equifax to complete a tenant screening. The credit agency included false criminal information in my record that didn't belong to me. There were multiple cases that weren't mine, the people that were involved shared the same name as me. This type of confusion causes a lot of problems when applying for rental properties and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account FRANKLIN COLLECTION SVCS INC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FRANKLIN COLLECTION SVCS INC was not established by myself but XXXX keeps verifying  this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: NCB Management Services Inc.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES , INC. which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXXNCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

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 2018-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XX/XX/2018 capital one sent emails stating false acussations regarding an invitation to an auto loan.I was told that applying would not have an impact on my credit.In XX/XX/XXXX I noticed my credit profile had been missued by entities I have no knowledge of and reported to the credit bearues. I did not give authorization to the following entities to obtain information regarding my credit profile not did give written or oral consent fot any inquires being reported by the following entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: TX

Complaint narrative:
I have written to all major credit reporting agencies ( Transunion, XXXX, XXXX ) requesting that they verify and validate the information on specific items in question. The purpose of the letters were for verification and accuracy due to discrepancies being reported. I have attached a copy of a few of the letters i sent via certified mail as proof of compliant and non compliance. 
I also requested that all of this was to be done following specific sections of the Fair Credit Reporting Act ( FCRA ) assuring that I provided as you can verify via my letters. All of the credit reporting agencies failed to provide a valid response to my request and responded with a blanket statement saying the account was verified. The following section ( s ) of the FCRA were blatantly ignored and are currently damaging my credit scores resulting in monetary and emotional distress. Section 609 ( a ) ( 2 ) & 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) have been blatantly ignored as all of these agencies have not provided a reasonable source of their method of investigation or verification. In all cases, they have used outside sources ( third party ) and not the direct creditor to verify, These shortcuts are blatant violations and as an end result should be deleted. The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617if they fail to comply with Federal Law, which they have. Additionally, I requested that all inquiries that are not current accounts be verified and if unable to provide reasonable verification be deleted.

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