vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 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:
I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the 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 2019-05-17 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:
I pulled my credit report on XX/XX/19, upon review I was informed that there is an account with XXXX XXXX XXXX under account # XXXX that is being reported incorrectly on all three credit bureau files. I sent XXXX XXXX XXXX a request to produce documents proving that this was in fact my account. An individual by the name of XXXX XXXX signed for the certified letter on XX/XX/19. I still have received no response from XXXX XXXX XXXX as of today. I followed up by sending a request to all three credit bureaus on XX/XX/19 to have this item removed, as it is being falsely reported in violation of Section 609 of the FCRA. They refuse to remove it, even after being informed that it is being reported inaccurately and falsely. I will be attaching copies of all of my correspondence with both XXXX XXXX XXXX and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My sister gave me a check to cash out from her back which is XXXX XXXX, I went to Citibank ( my bank ) to cash it out but the cashier told me I had to deposit it first and after she deposited she said I was only able to take out a small amount today, which she didnt inform me about before depositing the check at all ( the whole check was for {$5000.00} ) I need this money tomorrow ( XX/XX/19 ), because Im buying my mother a car, I even went to the branch to reverse it and they couldnt do it because the manager wasnt there. Im located in XXXX, Florida. Please help me with this, this happened on XX/XX/2019

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 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells fargo is reporting a credit card on my credit report that Inhave been trying to dispute. They have yet to provide proper validation of the debt. The account was opened before I was even 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 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
This firm persists in collection of a debt not owed to them. I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. This has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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:
On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.

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 2019-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I entered a loan with Santander Consumer USA in XX/XX/XXXX. In XX/XX/XXXX, I was in a car accident that resulted in the car being deemed a total loss by my insurance agency. I was told by Santander that after XXXX paid, my Gap insurance would cover everything else. So I purchased a new vehicle, being that I am a student living away from home. Following my vehicle purchase, I was called by Santander stating I still have a residual balance I am responsible for and failure to do so will result in my credit being impacted. My insurance company paid {$5200.00} and my GAP insurance with Santander ( XXXX XXXX XXXX ) paid {$1500.00}. I was told by XXXX that they do not cover late or missing payment or interest fees. So I paid my loan with Santander and my loan for my new car monthly. In XX/XX/XXXX, my credit report stated that my account with Santander was closed and paid in full as of XX/XX/XXXX. I called Santander on XX/XX/XXXX inquiring about the report because my online account still displayed a balance. I was told that the reporting was incorrect and the account is open and past due 53 days. I made a payment to Santander on XX/XX/XXXX that they misplaced. I faxed over my bank statement showing the payment processed ( XX/XX/XXXX ) and received verbal confirmation that the payment was found and will be applied to the account. Following this conversation, I was told on XX/XX/XXXX that I was 59 days past due and if I failed to make a payment it would be reported to the bureau, even though I continued to tell them the account is reported as closed and paid in full on my report. I made a payment on XX/XX/XXXX to avoid a negative report. On XX/XX/XXXX Santander listed my account as closed and adjusted the balance to reflect {$0.00} not including the misplaced payment from XX/XX/XXXX and XX/XX/XXXX. I was never contacted, so I called to inquire. I was transferred to the executive office who mentioned that the the credit dispute office stated they were advised to list the account as closed and paid in full as of XX/XX/XXXX. I followed up by asking what balance have I been paying on for 14 months, I was told they would speak with accounting and let me know. I have called every day for the past 2 weeks trying to resolve this issue. They mentioned they have been working with the CFPB in regards to my account. So I asked if my account was one of the accounts related to the settlement that took place in XX/XX/XXXX. I was told that I would receive a letter that was issued by an automated system on XX/XX/XXXX explaining in full detail what is wrong with my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX credit card services reported that there was an incorrect 30 day late payment on my credit card. After an investigation, XXXX XXXX realized they made an error and reported it to XXXX, who updated my credit file. However, Equifax has not. Please have them fix this problem immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 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:
On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.

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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/19 I mailed a letter requesting proof that an account from XXXX XXXX in the amount of {$3400.00} was in fact mine, as I did not have any knowledge of this account. 

I received the letter returned on XX/XX/19 as unable to forward, even though I used the address that was provided on my credit reports. 

On XX/XX/19, I sent the credit bureaus a letter with a copy of the returned envelope, requesting that they remove the item, as they were reporting inaccurate information, in violation of Section 609 of the FCRA. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have on numerous occasions experienced a great deal of difficulty accessing funds deposited with this institution. The problem is not so much accessibility ( although they do make it difficult ) as it is privacy. For any transaction, except for deposits, they require ID, this is understandable however asking me why I am withdrawing my own funds or what I plan to do with my income tax refund is none of their business and was not done in the framework or tone of providing any additional service. It was a barrier. They have asked for 2 forms of ID at one point and also informed me that my drivers license was expired on another occasion. This has happened numerous times at this branch and happens to others as well. PNC Bank XXXX XXXX, XXXX, Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AE

Complaint narrative:
On XX/XX/2019 I received a credit report notification from my XXXX credit monitoring account that a notice of collections had been filed on my credit report. My credit monitoring company states this collections notification was started on XX/XX/2019. I received no notification of any kind from the company named Diversified Consultants. I am an XXXX XXXX military member serving overseas. Diversified consultants claims XXXX XXXX XXXX is the company responsible. I verified with XXXX XXXX XXXX that my account had been closed and that my account balance was {$0.00} prior to my XXXX XXXX XXXX overseas move. Diversified consultants attempted to place another collections file on my credit report one year ago. I disputed this claim last year and the claim was removed from my credit report. Now there is another collections notice from the same company for the same reason one year later. This account was closed in good standing and has already been removed from my credit report previously. There is no basis whatsoever for this collections report. I have never missed a credit payment in the history of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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:
I experienced identity theft in XX/XX/2019. Someone had applied for 3 credit cards with two weeks using my personal identity. 

I received an alert and immediately notified all the credit card companies where they received the application, as well as all the credit bureaus. 

The credit card companies never issued a credit card, because they could not verify my identity. 

Credit card companies ( XXXX XXXX ( two applications ) and XXXX XXXX ) notified all credit bureaus that a fraudulent application was filed and was identified as identity theft. They also provided me a written letter that they have notified all other parties about this fraud. 

XXXX and XXXX XXXX both immediately removed unauthorized hard inquiry, however, Equifax refuses to answer or fix this error. 

I have tried to resolve this issue by calling, writing, faxing them multiple times, and have also included a letters from the credit card companies that this was a fraud / identity theft that they detected, yet Equifax refuses to listen. All they do is put me on hold for 20-30 min at a time and say we can't answer you, but expect a response in the mail, but never send me any reason why they can fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: FL

Complaint narrative:
XX/XX/2019 Hard Inquiry Transunion reported that have a hard inquiry from XXXX. I never contacted XXXX or asked for their service. I tried to Contact XXXX and transunion but no luck getting the issued resolved.

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