vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 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: IL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: VA

Complaint narrative:
I recently obtained a new credit card with Bank XXXX XXXX. XXXX sent me a letter saying my credit score had been downgraded due to four factors, three of which are absolutely wrong. The letter directed me to contact XXXX the event of any issues. Experian adamantly maintained that they don't generate the credit report, just the score ( my call was transferred several times to several countries, but they all said the same thing ). One rep suggested I try to fix the problem on line, but I found that that is not possible because the website 's canned scenarios don't cover this situation. I called Bank XXXX XXXX, and they said that in fact it is Experian that generates the credit report and the credit score. When I tried again to use Experian 's website to resolve the issue, the relevant links on their own site turned out to be broken. Can you assist in correcting my credit report and credit score? Thanks! 

P.S. A copy of the relevant page from the XXXX letter is attached.

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 2019-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: INVESTORS BANK
State: NJ

Complaint narrative:
XX/XX/2019 - I went to Investors Bank  located in XXXX, New Jersey at XXXX XXXX   to cash a bank Certified Cashiers Check from XXXX XXXX. ( routing number XXXX ) XX/XX/2019 - I went to Investors Bank located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from XXXX XXXX  was forged. 

XX/XX/2019 - I was told by the branch manager of Investors Bank that they could not do anything for me and that they were not liable. However, Investors Bank was responsible for depositing the check. Investors Bank in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - Investors Bank located in XXXX gave me a copy of the forged check and told me that XXXX XXXX has to file a forged endorsement claim. 

XX/XX/2019 - XXXX XXXX  branch office in XXXX Pennsylvania said that it is Investors Bank responsibility to fill out the forged endorsement claim. 

XX/XX/2019 - After my previous claim # XXXX XXXX bank said they are not responsible. Investors Bank said they are not responsible, XXXX XXXX  said they are not responsible. Neither one of these banks has stepped up to help me out. I could call Investors again and they are gon na blame XXXX XXXX. 

WHO IS RESPONSIBLE?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: GA

Complaint narrative:
XXXX XXXX Card services is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.

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 2019-04-11 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Can you please remove inquiry

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 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
I was contacted XX/XX/XXXX by XXXX at National Commercial Services related to a car rental claim paid by XXXX for a fender bender in XX/XX/XXXX. I chose not to file with XXXX XXXX, my insurance company, to keep my rates down and paid for all car repairs and a rental car directly. After checking with the other party and her XXXX agent, on XX/XX/XXXX I spoke with XXXX at NCS and emailed him a copy of the credit card statement which showed XXXX and the other party 's name requesting he close the collection. He called today XX/XX/XXXX and left me a message threatening to have my drivers license revoked if I did not pay. When I called him back, he confirmed he had received the email and evidence of payment to XXXX, but continued to push for collection. I considered him threatening and rude. When I told him I paid for the repairs and rental, he said " XXXX doesn't repair cars ''. I told him not to get smart with me, I paid both the shop and XXXX. After he kept going on about this and that, I told him the charge was bogus and I wasn't paying anything. Eventually he said he was closing their file and XXXX would deal with me directly, still threatening, then hung up on me. I am also notifying the DMV to head off any suspension of my license based on this false information since in my state, insurance companies have that power.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: IL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by XXXX XXXX. This debt is not mine and needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: NC

Complaint narrative:
On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX   XXXX formerly XXXX XXXX. This information was given to XXXX and Equifax via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Sierra Holdings LLC
State: NC

Complaint narrative:
On XX/XX/2019 I reported my Vehicle as paid off from XXXX XXXX company   formerly Sierra finance. This information was given to XXXX and XXXX via an upload of document mailed to me by the creditor and a case for dispute opened. 
XXXX reported the case as resolved stating this will remain on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have a rental property that has a mortgage in good standing ( XXXX XXXX ) which Equifax will not report on my credit file, I have paid this account faithfully! No lates! Years of every payment being on time! They also dont have any way to dispute satisfactory accounts to my file ( ie.. to dispute a missing account or one that is not showing ) which seems that it should b illegal for these credit reporting companies to block consumers from correcting false or missing information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account placed on my chapter XXXX bankruptcy case # XXXX on XX/XX/XXXX, this bankruptcy was discharged XX/XX/XXXX. The XXXX staff appeared in court and was aware of the bankruptcy during my meeting with the creditors. They were advised by my bankruptcy trustee that the account in question is on the chapter XXXX that I filed in XXXX of XXXX. I also sent an email to the management staff on XX/XX/XXXX making them aware of my bankruptcy. I moved out of the location before XX/XX/XXXX. They placed this closed account into collections XXXX XXXX XXXX IN in XXXX, WA and is affecting my credit with Trans Union. I also submitted a dispute with Trans Union about this discharged account ( still waiting on a response ). I will be filing a complaint with the consumer finance and sending a copy if this complaint to the original creditor ( XXXX XXXX XXXX and the collection agent XXXX XXXX XXXX. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items 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 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: MN

Complaint narrative:
XX/XX/2019 XXXX agreed to stop collection as you can see in my cfpb account. RG financial filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Dont recognize inquiry

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 2019-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a inquiry From XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from Capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Capital One Auto Finance In XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Receivables Performance XXXX Is reporting on my credit report and I never received a notice from them. I only saw it on my credit report recently and immediately contacted them. This debt should have never even went to collections, it was sent in error. 

I am aware of my rights and I do know that collections companies have to send you a 30 day right to dispute to give you the opportunity to dispute it or take care of it and I was not notified. Because this recently showed up without notification it has affected my financing causing me to possibly lose my house. I have contacted my attorney and am prepared to take legal action.

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 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX Chase offered a XXXX pt welcome bonus for their XXXX Checking account. Here are the details : https : //accounts.chase.com/consumer/banking/online/sapphireUR? XXXX & XXXX & XXXX I applied XXXX Checking account in XX/XX/XXXX and transferred over XXXX USD cash and securities combined around XX/XX/XXXX, which satisfied their condition to get the welcome bonus. I still did not received the points until XX/XX/XXXX. 

I talked with the clerks in the branch twice. 
1st conversation happened on ( about ) XX/XX/XXXX. One of the clerks reviewed my deposits. The clerk thought what I had done satisfied all the requirements and then escalated my case. After that I found my XXXX monthly fee was returned but no points were received. 
2nd conversation happened on XX/XX/XXXX. Another clerk reviewed my case and thought I was qualified for the welcome offer. After that the clerk escalated my case again. No response was received until XX/XX/XXXX. 

Will attach the document ( XXXX info contained ) if necessary in next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX recognize inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Dont recognize inquiry

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 2019-04-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dont recognize inquiry

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 2019-04-11 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: CA

Complaint narrative:
XXXX XXXX Inquiry XX/XX/2017. I did authorize this Inquiry. I contacted XXXX XXXX and they are supposed to remove it

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 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
XX/XX/2019 TCF agreed to stop collection as you can see in my cfpb account. XXXX XXXX filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through spark capital one. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called Capital One immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with capital one already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.

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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.

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