vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX is reporting late payments on my account for XX/XX/2017 & XX/XX/2017. These lates are inaccurate. My account was set up to auto draft every month. I shouldn't have any lates and they need to be removed.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX XXXX ran an unauthorized check of my credit report. My cellphone is registered through my company and somehow they ran credit inquiries without my authorization. 

XXXX XX/XX/XXXX Utilities And Fuel XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX Utilities And Fuel XXXX   XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
Dear Sir/ Madam, In XXXX of XXXX, I obtained a small loan of {$3000.00} from Avant, www.avant.com, I applied for it online, Avant received their payments on timely manner until the loan was paid in full in XXXX XXXX as per the terms. 
Although, the loan was paid off, they kept my personal information exposed in their system, that included the name and address and phone number and my Social Security number & more, which suppose to have been deleted and the account should have been closed after the last payment. 
On XX/XX/2019, I received an email from Avant claiming that I was declined for a credit card that they supposedly have, I never applied for the alleged credit card, nor I had any knowledge that they even offer a credit card, beside the fact, I am not in need of their credit card. 
I attempted to call Avant and speak to the supervisor, I told her that I never applied for Avant credit card, and I asked her to show the information on the alleged application! she refused to give any information about the address on the application that supposedly was for the credit card, she refused to mention any information that did not match my information on the Fraudulent act. 
This alleged claim, caused a hard inquiry on my credit report which caused a big damage to my credit reports, and I do feel that my information was stolen & robbed internally at Avant 's corporation by one of their individuals. They sent me an email asking me to fill an identity theft report, I refused to do that, because the credit bureaus will keep that on my report for two years and freeze all my information. 
I sent Avant a letter by a certified mail, it's attached on this complaint advising Avant to delete my information immediately from their system and confirm it with a formal letter addressed to me. 
I also want to demand a letter from Avant to all the credit Bureaus to remove the hard inquiry that has been caused by their intention and negligence. 
Letters have been sent to the proper authorities and to my Attorney and to Illinois  State Attorney General. Avant is located - Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX I respectfully ask the CFPB to use it's legal inspection and investigation and force such fraudulent behaviors in such agencies to face the law and to stop them from robbing consumers information for their personal and fraudulent uses. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: NY

Complaint narrative:
From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct : # XXXX I had a XXXX financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX , XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with Transunion USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied

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 2019-04-02 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: NY

Complaint narrative:
From : XXXX XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Subject : false information sent to credit report My name is XXXX XXXX acct XXXX # XXXX I had a SUV financed with your company. It was payed off on XX/XX/XXXX I contacted your company via email and phone got no rely on this being up dated with credit companies. Disputed it with credit companies XX/XX/XXXX it ended on XX/XX/XXXX information you sent them for in between these dates was that I still owed your company over {$9200.00} when the balance was XXXX for more than 30-45 days will be filing complaint with every dept. and every review site I can find will also be contacting my senators office. Until I find someone that understands that Im XXXX and on fixed income and that your company by refusing to update accounts force people to stay with you. Do I need to explain how illegal of a practice this is. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : false information sent to credit report Mr. XXXX XXXX XXXX XXXX reports our accounts once a month to all 3 CRAs, once they are submitted, it could take each CRA up to 60 days to update their records. Per our records, your account is paid in full as of XX/XX/XXXX. 

XXXX XXXX Compliance Manager Direct : XXXX Fax : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX 0n XX/XX/XXXX you updated my accounts due to dispute with all three CRAS with the following information that my account balance is {$9200.00} and the updated date was XX/XX/XXXX now understand this is a dispute when you answer to it all information is changed automatically. Now further more on XX/XX/XXXX you updated my account again to show a balance of {$9100.00}. now there is a new dispute sitting at your company labeled XX/XX/XXXX waiting to be taken care of I also have not received my letter of payed in full from your company that I was to receive in 30 days from date of payment in full. Requested this again yesterday they sent a pay off letter. I requested it again today still have received nothing. So in short you may be reporting every thirty days but it is false information hurting me and my pursuit of happiness. Again all information is in Ive been dealing with XXXX USA not XXXX. 
Post script I also left you a voice mail and if I dont hear back will try again. 
t which I was told contact the customer services dept. and I replied Im sorry XXXX but customer service has already told me that they dont handle this to email the site and I would like to know what is going to be done about this sense you havent complied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: FL

Complaint narrative:
Equifax is preventing me from doing my on-line complaints due to a glitch they refuse to fix. this is hindering me from moving forward with purchasing a home or opening other credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I spoke to XXXX XXXX EVP and Director of Customer Relations today. My first concern is I do not believe PNC Bank is fully disclosing the fees associated with their Performance Select Checking because it says on page three " Performance Select Checking No charge of PNC Exclusive Checks. '' I was told by XXXX SVP of Customer Relations it is only the Master Account that receives free checks. The fact that it is only the Master Account is a material fact and there is no reference on the fee disclosure that it is only for the Master Account. I have spent at least 4 hours on the phone to get my accounts switched to Performance Select Checking as I meet their requirements and receive my free checks. They finally agreed to provide the checks and said they were going to investigate. 

I requested that I should get free checks for the life of my accounts since I spent 4 hours on the phone and complained about the lack of full disclosure. XXXX refused. 

My second concern is that I believe I have been retaliated against and discriminated against as I have complained in the past and XXXX told me that I had complained before. 

It should be known that PNC Bank flags customers accounts if they complain and this information is visible to anyone servicing the accounts. Therefore if you complain your account is labeled a complainer. It should be mentioned the additional harassment occurred by XXXX XXXX EVP when she said the regulators require it. It was not until I pressed to confirm that the regulators require PNC Bank to track complaints by customer name and account number that she back tracked and said that was just part of PNC Banks robust customer complaint tracking. XXXX XXXX tried to use the regulators as justification for labeling customers as complainer and intimidate me the customer, which complete harassment. I believe if you complain you are labeled and receive poor customer service so they can get customers to leave and avoid reporting to the regulators. This is validated by my treatment and the fact that I have been on the phone for 4 hours to simply get switched into account I clearly qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: UT

Complaint narrative:
XXXX XXXX ( aka Fidelity Rewards Visa ) promised a {$100.00} cashback bonus as XXXX reward points if I charged at least {$500.00} within 90 days ( which I did ). 

They have not yet provided the points for me to redeem, despite my repeated requests to them 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 2019-04-02 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: IL

Complaint narrative:
Experian refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; XXXX XXXX XXXX XXXX XXXX. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois XXXX . The original creditor is XXXX XXXX ( XXXX XXXX in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

Experian informed me that they can not call or notify XXXX XXXX and that XXXX has informed them that I still owe this bill. Experian did not do a reasonable investigation by simply telling me that XXXX says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take XXXX to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.

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 2019-04-02 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: SC

Complaint narrative:
I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

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 2019-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My leased XXXX XXXX XXXX was repossessed in XX/XX/XXXX and GM Financial has repeatedly tried to collect a balance it claims is due. According to California 's Vehicle Leasing Act 2987, I did not receive a notice at least 10 days in advance of the disposition and/or the determination of the value of the vehicle. I did not receive an itemization of the determination of accrued fees, nor did I receive an inspection report in the letter of the costs in which it referred to as an " enclosed inspection report. '' I was also not given reasonable notice to personally hire a professional appraisal of the vehicle for the purpose of valuating and determining what was to be owed on the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CA

Complaint narrative:
HI THERE, I FOUND FRADULENT BANKRUPTCY ON MY CREDIT REPORT. 
NEXT THING I DID WAS ... I CONTACTED TO COURT AND RESPOND WAS THAT THEY DONT HAVE ANY FILE UNDER MY NAME, WHICH MEANS THAT THE BANKRUPTCY IS FRADULENT. 
I TRIED SO HARD TO SOLVE THIS ISSUE WITH CREDIT REPORTING AGENCIES, XXXX  AND XXXX  BLOCKED IT, HOWEVER THE EQUIFAX IS REFUSING TO INVESTIGAE MY CLAIM EVEN AFTER I SENT THEM FULL POLICE AS WELL AS FTC REPORT. 
AS A LAW ABAIDING CITIZEN I AM ASKING FOR YOUR HELP TO MAKE THE EQUIFAX TO OBEY THE FCRA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
On XX/XX/2018 I was suspended by Checkr , Inc through XXXX because of my background report. However, what was reported is not accurate and it directly affects my life through work opportunities and economical funding. I am asking that Checkr provide me a dispute reference and also recheck my background for accurate results. They reported that I have charges and citations that are not on my record. I am definitely in need of getting things in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They have been contacting my father via several phone calls. They also disclosed my personal information to him such as where the debt is from and the exact amount of debt. As far as Im aware, that is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: SC

Complaint narrative:
I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

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 2019-04-02 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: SC

Complaint narrative:
I AM SUBMITTING THIS ON MY OWN BEHALF ... I pulled a copy of my credit report and noticed several fraudulent accounts. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
So I attempted to fax this document but was unable to, so Im sending it via certified mail with tracking, uploading on your site, and sending via the CFPB portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Received a cancellation of debt form from Cavalry SPV I LLC. The address listed is an Arizona address ; I have never established residency in that state. Also the name has been transposed on the account with the last name first, which was my maiden name that I have not used in over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
XXXX refuses to delete an account that I provided proof in the form of documentation.The collection company is called ; ICS Collection Serv , Inc. The amount of the bill is $ XXXX.The bill was paid in full by both the orginal creditor and Illinois Medicaid . The original creditor is XXXX XXXX ( XXXX Hospital in XXXX Illinois ). The date of service was on ; XX/XX/2017. 

XXXX informed me that they can not call or notify XXXX hospital and that ICS has informed them that I still owe this bill. XXXX did not do a reasonable investigation by simply telling me that ICS says the information is accurate. I provided legitimate documents to prove this. What protection does consumers have if documents are being overlooked? 

I want justice by having this item deleted from my report immediatly.I have filed a complaint with XXXX and also know that I can and will take ICS to small claims court to seek up to {$1000.00} in damages, if they do not comply in a timely manner.

Company response to consumer: Closed with explanation