vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 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: CA

Complaint narrative:
The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. 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 2020-06-28 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: CA

Complaint narrative:
The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Wont connect to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2020 Sears/Citi Bank charged ( my personal checking ) XXXX XXXX for a fee of {$2.00} Please note that this account is set up on the auto reoccurring payments. I have verified this fact and it has been in place before the account was ledgered for the {$2.00} debit originating from XXXX grocer. The fact remains that the deferred amount was deducted by  SEARS /CITI and a positive remark was recorded on the ledger. However, shortly there after and for reasons unknown this charge would be returned, reflecting a negative remark? This must be a technical glitch which resulted in this creditors failure to insure solvency and continuing to bill my bank!

Today I pulled my credit report and the negative 20 points that resulted from this billing glitch is behind my complaint today. I took steps to contact the Banks representative ( s ) and was informed ( By the auto attendent ) that the bank could not understand my request

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 monetary relief
Consumer complaint received 2020-06-28 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-06-28 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE DEROGATORies WHICH HAVE BEEN TARNISHING MY CREDIT FILE, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: AK

Complaint narrative:
I use a general purpose debit card with the Mastercard logo issued by Key Bank. I use this card only to get cash at the ATM in XXXX. On XX/XX/XXXX I noticed some {$2000.00} + of fraudulent charges on my card statement. I immediately called the Bank and had the card closed. The bank then investiged the fraudulent charges. 11 days later, they concluded that they were not at fault, largely because I had not lost the card. Since that time I have been investigating on my own. One transaction for an amount over {$500.00} was made at a major retailer. I was able to gain the name of the person making the purchase from the receipt. {$640.00} in fraudulent purchases were made at an XXXX bingo parlor, which was not open to the public at the time. When I inquired at the parlor about possible survelliance video they weres, I was told that they were kept on ly two weeks, so they had no information. I plan to initiate legal action in both of these cases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Nothing was taken. XXXX is unable to link to my PNC account, on behalf of PNC. They will not allow links from outside sources. This is problematic and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: VA

Complaint narrative:
The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by TransUnion, XXXX, and XXXX  and they have not removed it from my credit report.

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 2020-06-28 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: VA

Complaint narrative:
The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, XXXX, and Equifax and they have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: VA

Complaint narrative:
The company XXXX was paid completely and the company stated that they would remove it from my credit report. This has been disputed by XXXX, Experian, and XXXX  and they have not removed it from my credit report.

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 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, I applied for a credit line increase with Total Bank Credit Card. I received correspondence through the messenger service from Total Bank, where they requested my tax records to support the income I was stating I made. ( The letter is attached to this complaint ) I sent the required information, and several days later, they called me to tell me they received the document, then they stated I had to unlock my XXXX  credit report to view my credit file, and I explained that it was not locked. The representative insisted that it was, and I then checked and confirmed it wasn't. After several minutes of explaining the information about my credit file not being locked, she stated that it was my XXXX XXXX credit file. I then told her the representative that I do not have a credit file with XXXX XXXX ; however, they are accessible to make a soft inquiry with XXXX  and Equifax. The representative then stated I was interfering with the process to give me a credit line increase, mind you this was not mentioned in the attached correspondence from them initially. The comment was outrageous. Total Bank is one of the most questionable financial institution I ever dealt with. I have been an excellent paying client ; however, this is not a customer service friendly financial institution, but more so, a company more interested in creating fees as well as inconveniences for it's the consumer. 
This attempt to have a credit line increase showed me this bank again has some questionable practices, since becoming a customer, I seem to have misunderstood many things. Troubling on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
Inquiry from purpose financial that was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: CA

Complaint narrative:
To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, XXXX, TransUnion XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, XXXX, and TransUnion on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, XXXX, and TransUnion have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

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 2020-06-28 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: CA

Complaint narrative:
To Whom It May Concern : I am currently on my third round of letters to the major credit bureaus ( i.e., XXXX, Equifax, XXXX  XXXX as it relates to verifying or removing erroneous items on my credit file. 

In my letters to the bureaus, I informed them that per the FCRA, they are required to have a copy of the original creditors ' documentation on file to verify that the information is mine and is correct. 

I sent out my first letter to XXXX, Experian, and XXXX  on XX/XX/2020. 

Despite several written requests for the bureaus to verify or remove the erroneous items from my credit file, they continue to respond with generic response letters claiming to have verified my accounts. 

As of this message on XX/XX/2020, XXXX, Equifax, and XXXX  have NOT provided me with any original documentation or consumer contract ( s ) with my signature. The bureaus have further failed to provide their method ( s ) of verification. 

Their callous and blatant disregard to obey the law and keeping those erroneous items on my credit report is causing irreparable harm to my credit score, hurting my ability to obtain credit, and preventing me from acquiring personal and business financial products. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: LA

Complaint narrative:
I applied in person for a payday loan advance in XX/XX/XXXX. I made some payments but due to financial difficulties I filed for bankruptcy in XX/XX/XXXX and included Speedycash as a debtor under my bankruptcy. This shouldn't be on my credit report at all according to the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: WI

Complaint narrative:
Inquiry from XXXX XXXX that was not authorized.

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 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: NJ

Complaint narrative:
I received a letter from Phillips & Cohen Associates trying to collect an alleged debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2017, I was contacted by Procollect INC on Behalf of XXXX XXXX XXXX, stating that I owe a balance of {$970.00} which was later reported on my credit. I made a full payment to the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.

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 2020-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
On XX/XX/2017, I was contacted by NCB Management Service INC on behalf of XXXX XXXX XXXX, stating that I owe a balance of {$7800.00} which was later reported on my credit. I made a settlement arrangement with the collection company with the promise that it would be removed from my credit report once the debt is paid off, which I paid. However they didn't keep to their promise! The collection still shows on my credit report and due to that my credit has been impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-28 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-28 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: NY

Complaint narrative:
there are accounts showing on my credit report that I did not open, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I have contacted the collection company and XXXXXXXX XXXX XXXX I do not owe this debt and uploaded a letter from the supposedly creditor showing {$0.00} balance Unsure how a collection company says I owe something their original creditor notes I dont

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: Conn's, Inc.
State: LA

Complaint narrative:
I went into Conns and ordered a deep freezer. When I received the freezer, I took it home and opened the box. Only to see that entire top portion was smashed, like it had been dropped from a really high place. I returned the freezer the very next day and a manager inspected the freezer and determined that it was damaged prior to being shipped to their store for pickup. I cancelled my order because I know longer needed a freezer and was reassured that everything was closed out. A month later I see that they have put this item on my credit report with a 30 day late payment reported. I called went into the storeroom find out why Im being reported when I dont have an open account or merchandise for them. They immediately agreed to remove the negative mark and that Conns account from my credit report. Via email and printed paperwork. The item is still not removed and is hurting my score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Wont let me connect my account to a payday loan app XXXX XXXX

Company response to consumer: Closed with explanation