vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 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:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00} and Charge Off Amount {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; and XX/XX/XXXX year ; Amount Past Due on a Payment history shows XX/XX/XXXX past due {$18000.00} ; amount past due XX/XX/XXXX {$18000.00}. Past due 30 days on XX/XX/XXXX ; past due 60 days on XX/XX/XXXX ; past due 90 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as XXXX reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
PYOD LLC attempting to collect a credit card dept from XXXX XXXX XXXX  XXXX for {$1400.00} This dept was opened.XXXX. 
This credit card debt was the result of identity fraud and had been disputed and previously removed from my credit report. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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:
My personal information was stolen and used to open multiple fraudulent accounts. I did not authorize the opening of these accounts I have previously submitted and FTC affidavit and a Police report supporting my dispute with Experian. When I first submitted my claim back in XXXX of 2020 these fraudulent accounts were removed from my credit report. In XXXX of 2020 more than 30 days later these fraudulent accounts were put back on my report. I have disputed these accounts ( XXXX  XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ) on several occasions. I was told on XX/XX/2020 by the specialized fraud department of Experian that my dispute will not done because the company has verified that they belong to me. I have contacted these companies and when asked for verifying information the information did not match what was within their systems. I was also told that when a company can respond after 30 day. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent accounts past the 30 day time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX my problem started with Wells Fargo Bank, about a mortgage loan. Now it has started with a credit card from them that I never open. In the month of XX/XX/XXXX, I received a letter if I did not use it, it would be closed. I called them and spoke with someone by the name of XXXX about the matter. I was given a case number XXXX. Then I received a letter on XX/XX/XXXX at my request to close the account. I never even spoke to any one on the phone or by letter. On XX/XX/XXXX, received another letter they have my complaint. Unbelievable, I received another letter, on XX/XX/XXXX, I requested the bank to reopen my credit card at my request it has been approved. But I received a letter on XX/XX/XXXX, they received my complaint and they were reaching out to me. Case no # XXXX. But still receiving letters my account is being opened. I feel I am being harassed since I am a Senior Citizen. Just the other day Wells Fargo Bk, XX/XX/XXXX was on I witness XXXX XXXX XXXX, for employees forging illegal pandemic loans, that customers never applied for. I am tried of Wells Fargo Bank messing up my credit in the credit bureaus. I never ask them to open a card for me or close it then reopen it. That dose n't make any since. This is a sick behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: NC

Complaint narrative:
have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX XXXX XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Experian has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
On XX/XX/2020 I contacted LVNV funding to dispute an entry on my credit report they have listed. I disputed the entry with all 3 credit bureaus as being reported inaccurately previously. XXXX   and XXXX both deleted the entries as unable to verify. XXXX   repled back that the entry was verified and continued to report the inaccurate information. After contacting LVNV Funding in an attempt to rectify the situation I received a letter from Resurgent Capital Services dated 14 days after the initial letter was received by them, stating that they manage the listed account. I was provided a generic bill that listed an amount and date due. The amount is not accurate. I replied back to Resurgent and cc LVNV stating that the account is not reporting accurately and to provide me with a full listing of the history of the account that verifies the amount they claim. I never received another response from LVNV nor from Resurgent Capital Services. I still have this same account being reported to XXXX with an inaccurate balance and incorrect dates. I have records of all correspondence.I would like this inaccurate entry removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I received a alert from my credit monitoring service of account on my credit report inserted by I.C SYSTEMS in the amount of {$130.00}. I mailed a certified letter if dispute requesting them to remove the account and to validate the debt. I have never received a bill statement for this amount and to remove. I also contacted XXXX on XXXX XXXX and to the billing department asking to send a itemized statement andcto dispute the charges. I was advised by Rep.XXXX XXXX that this would be disputed and validated. XXXX XXXX asked to check back in 48 hours. Ibwas given tickey # ( XXXX ). I called back again to XXXX and spoke with XXXX and was advised that there was no billing on the account. She stated that she would advised the collection agency to remove from my account. She stated that the ticket provided by XXXX was never escalated. She assured me that her tickt ( XXXX ) would be escalated and the account would be removed from collections as there was no proof that I owed the balance. Told me to allow 7 business days. She said I would receive an email confirmation of the outcome. Never happened. I called back again on XX/XX/2020 and spoke with XXXX and advised of the run around about this so called bill that I owe. It just appeared out of thin air. She stated she would also create a ticket to have this account looked into and removed. I was advised that she would personally call me back as she starts work at XXXX EST. I've never received that call to date. I reached out to XXXX today and spoke to XXXX. He advised me that all the tickets provided to me yielded no results. He stated that the collection department is saying i owe the debt, but they have no records of account to show. I advised him that this is in Violation of the FCRA. I also went to the local office and was told that the account shows XX/XX/XXXX balance and that they have no record of what the statement shows. This is a travesty and illegal. How can you say I owe a bill from over 2 years ago and not prove to me or the collection agency that I owe the debt. This unfair. I paid my bill in full. I also requested that the collection agency verify the debt and they have yet to respond. The account they are reporting is attached to XXXX. They should be able to provide me with information about this balance and they have failed. This was a internet essentials account for low income families for XXXX per month. Why am owing that balance? This is shame on XXXX. I will never use them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CA

Complaint narrative:
Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$1400.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$1400.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX year ; XXXX year ; XXXX year. Shows late payments, 30 days late XX/XX/XXXX ; 60 days late in XX/XX/XXXX ; 90 days late in XX/XX/XXXX ; 120 days late in XX/XX/XXXX. Reported 49 charge offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CT

Complaint narrative:
My personal information was stolen and used to fraudulently open several accounts ( XXXX XXXX XXXX  and XXXX XXXX ). I have previously sent in a Police report and an FTC affidavit to Experian supporting my claim for victim of identity theft. I have disputed these fraudulent accounts on several occasions and experian has told me that these accounts have been verified as mine. Back in XXXX of 2020 when my first dispute was submitted the process took longer than 30 days I was notified 2 months later that the accounts were verified as accurate. These accounts are a result of identity theft and my personal information being used and compromised. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent 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 2020-10-18 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: NC

Complaint narrative:
I have reached out to XXXX on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX XXXX XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: DISCOVER BANK
State: OH

Complaint narrative:
I previously unlocked my credit report to obtain a XX/XX/XXXX business credit card, for my business however i noticed some one tried to open a discover credit card in my name not knowing i alreday have a discover credit card i did not authorize no one to use my name for a discover card or nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
This complaint is in response to US Bank perpetuating XXXX harassment, fraud, and extreme carelessness that resulted in the closure of my business bank account. They closed my bank account on XXXX XXXX, 2020 without my knowledge or permission, causing extreme financial duress for my new business. On XXXX XXXX, 2020, I began my interview with US Bank to open my business bank account. The interview was via XXXX with XXXX XXXX. He told me that he was going to walk me through the entire application process in the XXXX interview. He did so, and during the process, told me not to add the punctuation in the name of my XXXX, even though that's how it's listed on my Articles of Incorporation ; this careless advice lead to my application being in " pending review, '' which is where all of the problems started. After the XXXX meeting, XXXX XXXX then started sending flirtatious emails to me, which can very easily be found in his work emails, and on his work phone. I also have copies. He then also texted me using the information provided on my application asking if I would like to go out on a date with him the next day. When his advances led nowhere is when the real problems began, as my bank account was then mysteriously closed the very next day. When I inquired with the personal banker XXXX had set me up with, XXXX XXXX, she would not return my calls. It took me calling and texting her for 7 whole days before I finally told her that I would be including her in my complaint, which immediately sparked her interest in replying. She told me that she didn't know what happened or why my bank account was closed, but, when pressed, said it had something to do with people somewhere in a back office. Very vague, very suspicious answer. I was referred to contact XXXX XXXX, the branch XXXX, who also never called me back, or responded to my emails. I have called the helpline at least half a dozen times now, and it is obvious to me that the people at US Bank all have something to hide, and they are covering up for a XXXX harasser. All in all, they are costing me both time and money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have opened Citibank checking and savings accounts in XXXX, 2020 on the Citibank advertised promise to pay me {$700.00} bonus, if I keep {$50000.00} for 60 consecutive calendar days. I have fulfilled this condition. However, after the 60 days my both accounts were closed by Citibank initiative. When Citibank had warned me that my accounts going to be closed. I have contacted their customer service and have asked them not to do this. I have told to the customer service that I did not made any transactions on the accounts except the initial deposits and did nothing else, and so do not assume that anything wrong was done on my side. I was promised by the customer service representative that my accounts not going to be closed if I do some other transaction. I was also told that the promised bonus of {$700.00} will be paid to me in XX/XX/2020. I have made the additional deposit ( s ) to my accounts. Still my accounts were closed and I didn't receive the promised bonus. I have contacted the Citibank customer service for the explanation of my fault, but no explanation was given and the address to make a written complaint was as well refused. I have saved my Citibank online chats with their customer service representatives and attach them here. BTW, the Citibank continue to advertise the same bonus ( https : //banking.citi.com/cbol/checking-700/default.htm ).

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 monetary relief