vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Both JPMCB XXXX and XXXX XXXX accounts do not belong to me I have previously disputed this account and requested to be removed since I do not even remember opening or authorized these companies to access my credit. There is no relationship with me and chase XXXX and there is no relationship between me and XXXX XXXX. My perfect credit record is being tarnished by illegally reported accounts on XXXX  only. I am suffering tremendously financially and my reputation is suffering. These are the only accounts on my credit reporting negative and they are not even my accounts. I will seek damages and full compensation for XXXX XXXX, Chase 's, and XXXX 's negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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: MI

Complaint narrative:
I am writing due to non-compliance with Equifax. A charged off closed XXXX XXXX account was re-aged and updated with late payments on closed accounts. 

They have failed to remove derogatory late payments posted in XX/XX/XXXX, that can not be added to a closed account that was closed and charged off in XXXX. Several disputes and they never change anything, but say they did. They send identical credit reports with no changes whatsoever. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

XXXX XXXX XXXX XXXX Accounts : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was given a US Bank ReliaCard, which is a debit card issued to me for Pennsylvania Pandemic Unemployment Assistance. Since I began receiving the benefits on this US Bank reliacard account I've been able to perform a Card to bank transfer to my personal bank account, but for some reason I haven't been able to since XX/XX/20 and my benefit monies are accruing in their account and I can't access the funds, which I need desperately. Their website where I accessed this account and arrange for the transfer of funds no longer has the option tab for CARD TO BANK transfer. They removed it from their site. I tried to access my money through an atm and could not on several occasions. 
I tried calling them many times without being able to reach anyone and I'd always be left on hold for hours, until the call disconnected for no reason at all. Why can I net access my money? The US Bank Reliacard is holding vital funds for a lot of people and at the same time they're making money off the interest. I've read tons of complaints on this company. Is an investigation taking place? Please help me resolve this 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 explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I been receiving phone calls of harassment, profane and abuse language, threats of been arrested and sent to jail from LVNV Funding for a debt of {$220.00} from the original creditor, XXXX XXXX XXXX XXXX XXXX, XX/XX/2015. The debt is the result of identity theft. The debt is not my debt. Its a fraudulent account and debt from the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: TX

Complaint narrative:
There are two collection accounts on my credit report and I know they are too old to be on my report.

The first one is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The second is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this many times and they never send any documentation showing when/if I was son

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 2020-09-13 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:
I have several inquiries which i never authorized. I never authorized any hard inquiry since XX/XX/2019. 
I never opened any XXXX XXXX plus account and it shows 2 collections on my credit report? I only had discover credit card and XXXX   XXXX  MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent

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 2020-09-13 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: TX

Complaint narrative:
I have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year 2019. 
I never opened any XXXX XXXX plus account and it shows XXXX collections on my credit report? I only had discover credit card and capital XXXX XXXX and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent

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 2020-09-13 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: TX

Complaint narrative:
I have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year XXXX. 
I never opened any XXXX XXXX XXXX account and it shows 2 collections on my credit report? I only had discover credit card and XXXX XXXX MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately XXXX CAN NOT supply me with anything XXXX I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint XXXX and Equifax you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately discover CAN NOT supply me with anything XXXX  I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint Experian and XXXX  you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no 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 2020-09-13 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 disputed an account with XXXX XXXX through TransUnion and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and TransUnionk keeps allowing them to do this.

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 2020-09-13 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: MN

Complaint narrative:
The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on 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 2020-09-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have disputed an account with Portfolio Recovery through XXXX and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and XXXX keeps allowing them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX, XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/20, XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on 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 2020-09-13 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: MN

Complaint narrative:
The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on 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 2020-09-13 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX XXXXXXXX XXXX and Experian credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX XXXX XXXX. Furthermore, I want all fraud and security alerts immediately deleted and removed from my credit report. I do not want any fraud or security alerts on 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 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2020 at approximately XXXXXXXX XXXX I received a Credit Disclosure email from Lending Point LLC ( LendingPoint-NoReply XXXX ). The email included a report of credit score that was allegedly pulled from my credit report. I have not solicited business from the aforementioned company nor have I authorized them to pull my report. It concerns me because someone may have attempted a loan with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
Received mail from a P.O. Box from XXXX, MI Saturday XX/XX/2020 that stated 'Driving License Suspension Request/Claim Settlement Offer ' from Recovery Partners LLC ( Arizona company )  stating I did not have valid insurance or provide valid proof of insurance on my vehicle during an minor auto accident which occurred XX/XX/2020. The statement made by Recovery Partners LLC is  absolutely FALSE. Recovery Partners LLC notice of claim settlement stated I owe {$2000.00} and they will contact the DMV of residence I live in ( CA ) to have my license suspended. Recovery Partners said if I pay now to resolve the settlement in full of {$2000.00}, they will give me a 'savings ' of {$680.00} or pay full amount at {$2700.00} by payment plan. 

Accident has already been settled by my insurance and her insurance early XXXX ( XXXX Select-the company that said Collections Agency they are collecting debt on behalf of ). I had insurance and have all proof of insurance. Both insurance companies have already taken statements and the case has been closed. I did not receive any estimates from collision companies, cases/judgements, subpoena to appear about accident, or any contact from the other party in accident or their insurance XXXX or anything regarding further actions involved in said accident stating the specific amount that Recovery Partners LLC states that I owe. I recieved a final case closure/determination notice from my insurance XXXX and other party insurance XXXX sometime ago early XXXX, nothing stated any amounts owed or anything of that nature. I did have insurance at the time of the accident however and have evidence to prove such. 

I will be contacting her insurance XXXX Monday XX/XX/2020 with the claim number provided by Recovery Partners LLC to ask if this is true and if they work with Recovery Partners LLC and why didn't I receive additional info in regards to any amounts owed or due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I had an account with mariner finance that has been paid for 3 months now. Over the last three months my the account has been reflecting open and then closed resulting in my credit score changing by over 50 points each time. This is really difficult to maintain credit and purchase a home because this account keeps reflecting negative and positive ever few weeks. This has affected a job offer as well as home buying process.

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 2020-09-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: PA

Complaint narrative:
Changed my address with usbank ReliaCard on XX/XX/XXXX, they in turn locked my card, without telling me. I called on XX/XX/XXXX, was told to fax drivers license and change of address card, I did, called again on XX/XX/XXXX, was told too dark refax I did, called again on XXXX was told it takes 5 days to read fax, I waited, called again, was told it takes 7-10 business days to read fax, I wIted till day 10 ( when I received a letter in mail from card services in XXXX Fl saying change of address was processed on XX/XX/XXXX ) they told me we still need to read fax, it could take 7-15 businesses days. Here I sit, 19 days later with no access to my funds. They did not protect me or my account when someone changed routing info back in XXXX and stole XXXX dollars from me, but they lock my card because I change addresses

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