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: 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: TN

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company 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 — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The Navient account first date of delinquency is more than 7 years old the account has been closed and the account is reporting beyond the credit furnishing statute of limitations.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX  the servicer of my loan and they stated they have been updating my account information to XXXX, XXXX  and TransUnion. 

The credit bureaus have not updated my account since 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 2020-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted XXXX the servicer of my loan and they stated they have been updating my account information to XXXX, Equifax and XXXX. 

The credit bureaus have not updated my account since XX/XX/XXXX

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: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I payed the amount of the Zales credit card account that showed to pay the card off completely. I receive this months statement and is shows a balance of {$91.00}. I called to explain the situation and they told be too bad. These fees were accessed and that how it is. I explained to them that I payed the account off in full and they said even though you payed it on time these fees were before the due date. How is that? I asked and the response was that is how it is. The call took place on XX/XX/2020 at XXXX XXXX  central time. I spoke with XXXX in customer care I was told he was a supervisor. I made a {$91.00} payment to end the disagreement and asked for a pay off letter. This is preditory lending at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have opened up Citi Priority account with adequate fund ( {$51000.00} ) and have met all the requirements for bonus, but bonus amount is still not added. I have tried to reach out to the company and the fund were supposed to deposited this week, but the funds are not there.

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: LA

Complaint narrative:
I've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX  XXXX-XXXX/XXXX  2.XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX 3.XXXX  XXXX  XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX   Inquiry : XX/XX/XXXX 7.XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 9.XXXX Inquiry : XXXX. XXXX, XXXX 10.XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX 13.XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XXXX  XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 15.XXXX  XXXX   XXXX  Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have XXXX in my cash app for my car payments and now its frozen I cant pay my car I cant cash out I cant transfer money to my bank my cash app is completely frozen again this is my car payment that has to be made Im behind 2 month due to the covid-19 and this payment was very much important Ive tried everything complaints costumer service customer support and noone has reached out I need this matter resolved and my money into my acct as soon as possible

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
A new card was issued to me replacing card of XX/XX/XXXX ending XXXX new card issued XX/XX/XXXX ended XXXX. USAA REFUSED MY FRAUD CLAIM OF {$470.00} XX/XX/XXXX USAA SUBMITTED DISPUTES I DID NOT SUBMIT. I ONLY REPORTED {$470.00} FRAUD XX/XX/XXXX see attstched XX/XX/XXXX FRAUD CLAIM INVESTIGATION CIMPLETED ALL UNAUTHORIZED TRANSACTIONS *CONFIRMS THIS TRUTH. See CFPB USAA response XX/XX/XXXX ending XXXX Alleging this ID THEFT Account ( see attatched report FTC XXXX ) IS A LIABLE DEBT COLLECTING USAA STATES CREDIT CARD POLICY IF PAYMENT MADE IT ( BECOMES MY LIABILITY EVEN WHEN IT IS DISCOVERED I DID NOT OPEN THIS ACCOUNT ) USAA CLAIM IS USAA POLICY ** ( UNKNOWN TO ME. ) SEE attatched ID THEFT REPORT. ***CLEARLY USAA IS NOT ADA COMPLIANT VCAG2.1. LAW States * ALL technology ( websites ) MUST be accessible to people with XXXX. As a 37 year XXXX MEMBER I HAVE NEVER BEEN PROVIDED ACCESS ON LINE. BY USAA AND COULD NOT HAVE OPENED ACCOUNT. USAA has never provided credit card policies to me.?? Payment made before XX/XX/XXXX was made in good faith UNAWARE I DID NOT OPEN THIS ACCOUNT. USAA Response XXXX CAN NOT BE ACCESSED BY ME.?? My story is, and sticking to IT. I grew up with pay phones am XXXX require XXXX ACCESS NEVER PROVIDED BY USAA. see attatched USAA CONFIRMATION CREDIT CARD FRAUD CLAIM XX/XX/XXXX THESE UNAUTHORIZED CHARGES WERE NEVER PAID BY USAA see XX/XX/XXXX REVIEW CLAIM OF NO FRAUDULENT ACTIVITY. It was discovered ** there are several accounts I DID NOT OPEN WITH USAA I HAVE BEEN HELD LIABLE FOR WITH NO ACCESS TO RESOLVE. I can not ACCESS & usaa refuses to send to my home address WHICH IS ONLY CONTACT LISTED ON MY PROFILE OR WAS!! USAA HAS DUTY TO PROVIDE CREDIT CARD POLICY IF THEY EXPECT ME TO FOLLOW AND PROVIDE VCAG 2.1 ADA ACCESS FOR MY DISABITY. ** I DID NOT OPEN THIS ACCOUNT. I WAS SCAMMED OUT OF PAYMENTS MADE IN GOOD FAITH. I DID NOT AUTHORIZED PAYMENT USAA MADE XX/XX/XXXX. IT STOLE ALL MY SOCIAL SECURITY MONEY FOR SURVIVAL. I AM NOT XXXX AND I CAN NOT BREATH NO ACCESS ABUSE.

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: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX , OH  XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # 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: 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: TN

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NJ

Complaint narrative:
We signed up for a card that have a minimum spend in the first 150 days. We met that spend requirement and the bank has not provided the {$450.00} promotion as advertised.

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I paid this debt on XX/XX/20 in full and requested to receive an paid in full letter for account and theyve refused to send one. Debt is still showing up.

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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
CHAPTERXXXXBANKRUPTCYDISSEDMISSEDXXXX XXXX {$23000.00} XXXX {$1100.00} XXXX {$2700.00} XXXX {$180.00}

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have attempted to get in contact with Credit Collection Services for a debt they claim is owed as a result of the XXXX XXXX XXXX company. I can not even dispute the debt 's validity because there is no contact information for Credit Collection Services. I want this removed from my credit report ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX  XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
30 days ago I submitted a dispute with equifax concerning XXXX XXXX XXXX. They are attempting to collect a debt that was the result of identity theft. I explained that clearly to equifax and also attached a police report confirming my stolen identity. I also clearly explained that at the time of the incident I was living in California, not in XXXX XXXX  united states, and for me to travel there for XXXX services is  unthinkable. However, no information was given to me as to why the account was verified as accurate. All I was given was an address to a small time collection agency who did not want to delete the account and asked me to pay for the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to connect my bank account to XXXX so I am easily able to cash out money early from me checks but does not allow me because of PNC and I need to I have a XXXX month old baby o got to take care of

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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX XXXX {$23000.00} XXXX {$1100.00} XXXX {$2700.00} XXXX {$180.00}

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've had lots of ID THEFT happen to me over the past few years and there are several incorrect accounts and inquires begin reported on my credit report, I have sent in all supporting documents and police reports in order to have these fraud items blocked and or removed. All documents required by the FCRA have been sent in listing all of the following fraud information. The following is fraud. 

1.XXXX XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX 3.XXXX XXXX XXXX Inquiry : XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 5.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 6.XXXX XXXX XXXX  Inquiry :XX/XX/XXXX 7.XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 8XXXX XXXX XXXX Inquiry XX/XX/XXXX 9.XXXX Inquiry : XX/XX/XXXX 10.XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Inquiry : XXXX XXXX, XXXX 11.XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 12.XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX 13XXXX XXXX Inquiry : XXXX XXXX, XXXX 14.XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX, XXXX 15.XX/XX/XXXXInquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ALL THE LISTED INFO IS RELATED TO THE ON GOING ID THEFT ISSUES 16.

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: OH

Complaint narrative:
****Hello, My name is *XXXX XXXX* XXXX I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : _XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : FIRST FEDERAL CREDIT Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg.

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