vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, 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 the 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.

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 2018-12-13 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: Bay Area Receivables, Inc
State: DE

Complaint narrative:
There is no delinquent account and this company Bay Area Receivables has not responded to my communication attempts regarding an incorrect claim that I owe someone {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: VA

Complaint narrative:
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and XXXX and transunion and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXXand they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.

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 2018-12-13 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: VA

Complaint narrative:
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to XXXX   and equifax and XXXX  and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: VA

Complaint narrative:
On XX/XX/XXXX i disputed XXXX XXXX XXXX XXXX to experian and XXXX and XXXX and no one has done a full investigation into the credit card. I'm reaching out to you because i also called these bureau explaining that i reach out to the collector and then to the collection office where i paid my full payment. They both don't have any information on their system with my name or bday or social and a year ago i pay XXXX XXXX XXXX XXXX. On XX/XX/XXXX i explain again the situation and still the update to my account remains the same with the statement " updated- information on this item has been updated. please review your report for the details '' meaning they put a new date that the account was reported when this account was first reported in XX/XX/XXXX and they continue to put in false information. I have all the proof of them changing all my current information to new information that does not make sense to my account. Please i need to get help with this cause their doing this to all my accounts that are negative that i am trying to fix and making the situation harder on me. I have all the proof if needed.

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 2018-12-13 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: CA

Complaint narrative:
I DISPUTED A BANKRUPTCY LISTED ON MY CREDIT REPORT WITH EXPERIAN. I RECIEVED A RESPONSE BACK FROM EXPERIAN STATING THAT THEY VERIFIED THE LISTING AS BEING MINE. I CONTACTED THE BANKRUPTCY COURT CLERK, AND WAS TOLD THAT THE COURT DOES NOT VERIFY INFORMATION FOR CREDIT BUREAUS NOR DO THEY ENLIST THE SERVICES OF ANY THIRD PARTY ENTITY TO VERIFY INFORMATION ON THIER BEHALF. SEE ATTACHED LETTER .EXPERIAN PROVIDED NO PROOF OF VERIFICATION .NOT A NAME OF THE PERSON WHO VERIFIED THE INFORMATION WAS PROVIDED.NO DATE, NO TIME.EXPERIAN JUST  LISTED THE ADDRESS OF THE BANKRUPTCY COURT.EXPERIAN IS IN VIOLATION OF NUMEROUS SECTIONS OF THE FAIR CREDIT REPORTING ACT.THE LISTING IN QUESTION IS BANKRUPTCY ( NO.XXXX ) AND SHOULD BE IMMEDIATELY DELETED FROM 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 2018-12-13 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: WA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX   XXXX and 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 2018-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet Loan Services is continue to report false information on my credit report. Nelnet is not original creditor. I never sign contract with Nelnet. Nelnet can not prove that it my debt. Nelnet claim that I owe {$23000.00}. Where is the original promissory note that I sign for {$23000.00}. What the name and address of original creditor? Who the person who approve this promissory note? When was first payment made on this account? When was last payment for this account? It seem like Nelnet try to use false deceptive, or misleading representation in connection with the debt collection. I feel that it not right to try discriminate on me because I am XXXX male. I am requesting that Consumer Financial Protection Bureau does investigation on Nelnet trying take advantage of minority. I will like someone from Consumer  Financial Protection Bureau to meeting next month XX/XX/2019 in XXXX with Nelnet Loan Services, myself and document expect to look at promise note.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: WA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX the accounts are not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I'm filing this complaint for you to reverse the late payments reporting on XXXX  XXXX XXXX  XXXX the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a 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 2018-12-13 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: WA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap 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 2018-12-13 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:
I would like to be provided proof I consented to this inquiry for " XXXX XXXX XXXX via XXXX XXXX  ; XXXX XXXX XXXX via XXXX XXXX XXXX ; XXXX   XXXX  via XXXX ; XXXX  ; XXXX XXXX XXXX ; XXXX ; TRANSUNION XXXX XXXX XXXX ; TRANSUNION CONSUMER INTE ;

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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a US Bank valued customer since XXXX in good standing. XX/XX/XXXX I decided to close my checking account by calling US Bank customer service hotline. The customer service representative confirmed I did not have any pending transaction on my account and I can proceed with account closing. The representative also mentioned that the balance on the checking account will be mailed to me in the form of a check.

30-40 days after I successfully closed my account with US Bank and received balance amount by mail I received also a letter from US Bank stating that I owe US Bank {$92.00}.

The matter is customer service representative violated account closing policy by not verifying that there was a pending transaction. Instead, by verifying that there is a {$92.00} pending transaction I supposed have not been granted permission to close the account for up to 180 days according to the US Bank account policy and regulations till all pending credit or debit transactions are posted on my account.

Once I received the letter stating I owe {$92.00} to US Bank I called US Bank Recovery department at XXXX and paid the balance in full right away without disputing it. I thought I took care of the issue. However, on XXXX I applied for XXXX XXXX XXXX checking and savings accounts and was denied service based on the information on my XXXX report. 
I requested a copy of the report and I see that US Bank reported that I ABUSED my US Bank checking account on XX/XX/XXXX. I contacted US Bank Recovery department to get the explanation how and in what way i have ever abused my checking account. No explanation was provided. XXXX- representative, FAILED to confirm and explain I have ABUSED the account. 
Instead, they stated US Bank closed the account because the balance went negative - {$92.00} on XXXX. It does not make sense. Since I, as a consumer, requested to close my account sometime end of XX/XX/XXXX. 

The bank representatives do not treat me with fair practices. I was provided with US Bank Recovery department supervisor name and the phone number to resolve the issue. I have been calling XXXX twice a day during regular working hours for the last 5 days in a row and leaving XXXX ( supervisor - ext. XXXX ) voicemails every single time. I was not able to get hold of her and she never ever called me back after receiving of total 10 voice massages from me.

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 2018-12-13 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: FL

Complaint narrative:
I dispute the XXXX XXXX XXXX payment history. I am requesting that Transunion deleted this account. There no payment history with this company.

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 2018-12-13 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, The accounts are reported as duplicate with different amounts owed XXXX  XXXX, XXXX   XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Executive office, Chase Bank mail code XXXX XXXX XXXX XXXX XXXX, OH XXXX   Re : Additional information to poof the funds deposited in Chase Account.

Reference is made to your letter dated XX/XX/2018 which you requested me to provide with you more information, before you can research my request.In additional to the bank statements, national identity card i sent to you on XX/XX/2018 i have now included the proof of funds deposited into Chase Bank which stripe deposited in my account for your verification and your urgent action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13 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: FL

Complaint narrative:
Transunion does not show last day payment for " XXXX XXXX XXXX '' account. I am request that Transunion deleted this off 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 2018-12-13 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: FL

Complaint narrative:
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this  unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2018-12-13 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: CA

Complaint narrative:
i applied for a credit card on XX/XX/18 with XXXX XXXX an i got denied based on my credit report that was send from experian with all type of inaccurate things on my report. which caused me to denied for credit.

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 2018-12-13 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: NV

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap, XXXX XXXX  XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) 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 2018-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
yes on XXXX I open a checking account with Citibank the will not help me with my issue I have called the customer service number multiple times and gone into three branches with my California id and Citibank debit card and social security card the clam I am a frudulant and will not help me this is XXXX as I have an account and can not access my own money either through my debit card or online

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 2018-12-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/18 i contacted wells fargos regarding a credit line increase on one of my cards i have with the limit was set at {$600.00} already. i asked for an increase of {$10000.00}. this card i had for 3 years on the account no missed payments aways on time. instead i got an increase of {$200.00} dollars.i dont nothing on my credit report that would not grant my request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13 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: Mid-Atlantic Finance Co., Inc.
State: CT

Complaint narrative:
This account is 7 years old and should be deleted from my credit report.

Company response to consumer: Closed with explanation