vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: VA

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-29 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: VA

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX/XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX XXXX XXXX, OH 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, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB is XXXX SS XXXX my current and only address is XXXX XXXX XXXX XXXX , XXXX, OH XXXX. I have some issues with my name appearing on my credit report incorrectly my on name should be XXXX XXXX XXXX, please remove any other variation of my name. I have several addresses showing that are not mine they are not accurate please delete the following : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX It could be possible maybe a Ex Spouse address that I am not associated with.

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 2019-05-29 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

11 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 2019-05-29 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: NV

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my XXXX XXXX tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/DEPTOFED 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 2019-05-29 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: OH

Complaint narrative:
There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not  accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas & Thomas Attorneys and Counselors at Law, LLC
State: OH

Complaint narrative:
Ive already sent a letter to Thomas & Thomas. Ill attach it and also paste it here ... 

This is in regards to the letter I received claiming that I owe XXXX. XXXX {$2900.00}. I dont owe them a penny. I never received the coins I ordered. This is very easy to prove. Their package was shipped requiring signature confirmation. I never signed for the package because it was never delivered. The post office simply lost the package. Contact them and they will tell you the same thing. I will not pay for something I never received. Ive already been through all this with XXXX. XXXX. Dont contact me about this again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I received the email from Chase XXXX, 2018 to offer me to upgrade the credit card with 50000 point incentive with increase of annual fee from {$85.00} to {$95.00}. The email only disclosed of all of good benefit of new card like 6X point instead of 5X ... etc., didn't disclose there is change of benefits. One of important benefit of {$3000.00} elite spending credit is removed with new credit card. 

That was a misleading email adv for me to upgrade the credit card, the email didn't disclose and specific indicates that {$3000.00} spending elite credit will be removed, otherwise, i will never upgrade my card by paying more annual fee with less benefit. 

I called so many times and talk to the marketing and customer service at the Chase, instead resolve the problem, they offer me free 2500 points, which i don't need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I made a deposit via PNC Bank 's mobile phone application on Friday, XX/XX/2019. I would have made the deposit at their ATM on XXXX XXXX in XXXX, but it was not accepting deposits. ( There was no explanation as to why. ) When I made the mobile deposit, around XXXX XXXX Central Time ( XXXX Eastern Time ), I received a confirmation screen that said my funds would be available on Saturday, XX/XX/2019. This screen also said that if I wanted access to those funds sooner, I could get access for a {$13.00} fee. 

On Saturday, XX/XX/XXXX, when I looked at my account information online, it claimed that my check would not be considered deposited until Tuesday, XX/XX/XXXX, meaning I can not access the funds until Wednesday, XX/XX/XXXX. So, either PNC Bank lied to me when I made the deposit, or they are lying to me now. When I called to try to resolve the issue, they claimed my deposit was made 2 minutes and 46 seconds after their cutoff of XXXX XXXX Eastern Time. If that is true, then WHY did the confirmation screen not tell me that? Also, I no longer have an option to pay a {$13.00} fee to access my funds - not that such a fee would be in any way fair, considering the circumstances. My educated guess is that I DID make the deposit BEFORE XXXX XXXX Eastern, but PNC 's database did not update for several minutes. THIS SHOULD NOT BE HELD AGAINST THEIR CLIENTS! 

I think it is also important to note that PMC Bank uses Eastern Time as the governing time ONLY when it benefits them. It is currently XXXX XXXX Central Time, XX/XX/2019 ( XXXX XXXX Eastern Time ), and my deposit is NOT available yet, even though it is now XX/XX/2019 in the Eastern Time Zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: NV

Complaint narrative:
I disputed the student loan accounts with Experian for several attempts to no avail..The student loan should not be reported on a credit report since its a government funded loan and only private funded loan should be displayed..Worst the loan is reported duplicated..Remove XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX managers did not properly file the termination or non-renewal of lease termination notice into their system. 

The notice was given by one of the tenants on XX/XX/XXXX in the main office, more than 60 days of notice that was required by the lease. The given notice was received by a manager who no longer works at cXXXX XXXX XXXX. 

The collection is illegitimate because XXXX XXXX XXXX did not properly manage our notification of termination & non-renewal of lease. 

http : //www.consumer.ga.gov/uploads/pdf/GA_Landlord_Tenant_Handbook_2017.pdf The managers did not admit fault or take responsibility for improper management & is trying to collect a unfair debt against the tenants in the amount of {$2300.00} for 49 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : 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 XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX* ; XXXX/XXXX XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: OH

Complaint narrative:
There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.

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 2019-05-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are account on my report that I can not find any records doing business with these companies. I request a investigation under 609 FRCA ,611, 623. The following accounts are not accurate : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX please send me a copy of any documentation.

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 2019-05-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An Amazon prime Chase Rewards was charged without my permission. I have a XXXX bank card as my primary on purchases through amazon.  About 6-8 months ago I applied to receive an instant {$50.00} amazon gift card during a purchase. Approximately XXXX I called the number on the back of credit card and paid off the purchase to a zero charge. 
On my prime amazon account, I carry 2 bank cards for purchase. My XXXX bank card is primary purchasing card. XXXX one day was verifying some purchases with me and I cleared them. However as I later learned Amazon kept the Chase card as the backup option and after my payment in full a purchase of {$43.00} was made in error without my permission it default to this card. I never receive any statement regarding this charge and its possible that it went into spam email as my emails are full of spam. 
I went to apply for a VA Loan with a credit score of XXXX and found a XXXX drop because I had a XXXX late on chase bank credit my score dropped to XXXX. First thing I have receive via mail was dated XX/XX/XXXX and arrived XX/XX/XXXX that I had a problem. Amazon agreed that it was there error for credit become default purchase card. I paid money owed and several fees however I was never notified and was not aware money owed and I am not get a resolution on my incorrect credit reporting and is now affecting my VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a mortgage with a loan company which ended in late payments. The house was sold on a short sale in XX/XX/2016. 
Since, I have a car on which I pay {$570.00} a month. I have a credit card with almost {$5000.00} credit. 
I have not being late on my bills.

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