vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a credit card account with USBank ending in XXXX. I was the victim of identity theft last year and consequently have an ACH block on my bank account. USBank was prevented from pulling the funds in XXXX because they changed the previously provided Payee ID and that is how I whitelist ACH payments. This change without notifying me lead to the missed payment and it has made it very difficult to buy a house given this situation and the impact to my credit. 

Not only did they wrongly penalize my score with the bureaus, they also haven't report to the bureaus that I have paid this account in full and it is no longer late.

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 2021-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Prior to purchasing my home, the previous owner removed her pool. I was being overcharged by my township and informed them. They reduced my taxes. I sent the reduction of taxes notice from the Township to PNC as they directed in XXXX. My taxes are reduced by {$210.00} a quarter. PNC has for the past 3 months still have still been charging me the same monthly payment, even though I see that are paying the reduced tax amount correctly. They will not adjust my monthly payment to reflect the reduction in taxes. 

I have sent multiple letters and have called a number of times, I get passed around from person to person with no answer. I left numerous messages for managers I was told were not in and will call me back. The last person, switched me to a number that is no longer working at PNC Bank. I keep paying the overpayment because I do not want this incident to affect my credit but at this point I want to be reimbursed for all overcharges and to have my monthly bill adjusted to reflect the correct payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: PA

Complaint narrative:
I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: NC

Complaint narrative:
I had a XXXX XXXX credit card through XXXX that I called to close over a year ago. Last week, I got a notification that Capital One had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX  XXXX Credit card through Capital One, which is XXXX XXXX new provider. I called, and Capital One had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TN

Complaint narrative:
this information reported by Experian is incorrect and had been removed by Experian and re-added to my credit record. 

I asked to get it removed through their online dispute and they have not removed the information that is not on my other two credit report with XXXX  and XXXX. 

please see attached copies that is will upload thanks

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 2021-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was contacted by email by LVNV Funding LLC, .of XXXX XXXX XXXX, XXXX XXXX, XXXX , KS XXXX, claiming that i owe {$760.00} to a financial institution named XXXX , i have never had any kind of credit/debit or loan accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE COMPLAINT I HAVE AGANIST BANK FINANCIAL COMPANY THAT ISSUES PREPAID VISA CARD TO CONSUMER SO NAME OF BANK ISSUES MY VISA CARD ISSUES XXXX XXXX  DEBIT VISA CARD ACCOUNT CASH APP VISA CARD CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX SO THE MAIN PROBLEM ISSUES IM HAVING WITH MY VISA CARD ACCOUNT THE BANK CLOSE MY VISA CARD ACCOUNT WITH OUT MY CONSENT OF KNOWLEDGE SO I HAVE SENT BUSINESS EMAIL ADDRESS BUSINESS RESPONSE THEY COULD NOT HELP ME BUSINESS REFUSE TO REOPEN MY VISA CARD ACCOUNT AGREEMENT I HAVE ON FILED WITH BANK CARD ISSUES BUSINESS EMAIL ADDRESS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit amount of {$250.00}, opened on XX/XX/XXXX being reported by XXXX XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: TN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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:
I was checking my free annual credit report and I found these accounts that do not belong to me. I declare that I did not authorize anyone to use my information. This information is not information relating to any transaction by myself. I did not benefit in any way from the fraud. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen my identity. None of these fraudulent accounts are related to any of my legit transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an entry on my credit file which with Equifax for an account with a high balance of {$21000.00} opened on XX/XX/XXXX being reported by XXXX XXXX XXXX account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or XXXX XXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I had a XXXX XXXX credit card through Comenity that I called to close over a year ago. Last week, I got a notification that XXXX XXXX had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX  XXXX Credit card through XXXX  XXXX, which is XXXX XXXX new provider. I called, and XXXX XXXX had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, WI XXXX has been sending me collection notices in the amount of {$620.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXXXXXX company for {$800.00} from XX/XX/XXXX. The debt collector is XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

XXXX XXXX XXXXXXXX sold a debt that was paid off. The duplicate account, now owned by I C System Inc ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to XXXXXXXX XXXX XXXXXXXX, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.

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 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am a victim of identity theft. The Fraudulent Activity happened on XX/XX/2015 with a balance of {$23000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.

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 2021-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NE

Complaint narrative:
Car loan was paid in full on XX/XX/XXXX. Company submitted on XX/XX/XXXX to credit bureaus that I was 90 days past. As of XXXX they submitted I am 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am a victim of identity theft. The Fraudulent Activity happened XX/XX/2013 with a balance of {$13000.00}. I left my car open in a public place then I lost my bag with my cards and Ids inside it. Someone who has taken my things took advantage of and made this fraudulent account under my name.

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 2021-09-01 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: WA

Complaint narrative:
XXXX XXXX reported a collection account on my credit, the charges and the balance is 100 %. I reached the XXXX Financial department and they acknowledge the mistake they did and they said they will delete the account from all credit bureaus. They sent me a letter confirming that they will contact the credit companies and the account will be deleted in 30 days. 

Other credit agencies deleted the item except for Experian when I contacted them and send them the letter that XXXX sent me, instead of removing the wrong account from I received a notification which says this : " Your original dispute was modified by an Experian Disputes Specialist '' First of all, they should not change or modify my dispute, and secondly, I send them an official letter from XXXX XXXX which shows that this account should not be on my credit report. 

I'm very much disappointed with Experian and how they're handling the issue.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX XXXX and Transunion are reporting. These negative items must be removed immediately.

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 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the last three months Ive sent letters to the three credit bureaus asking them to remove inaccurate reporting and inaccurate accounts. Ive asked them to provide me with original signed documents to prove verification ; which they refused to do so because accounts are absolutely false. I really need your help removing negative and inaccurate report to my credit reports that XXXX, Equifax, and XXXX  are reporting. These negative items must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have now disputed this Item twice and the bureaus have failed to respond. They have also failed to notate in the summary the account was disputed within 30 day time period this is a violation of 623. I sent letters out XX/XX/XXXX and XX/XX/XXXX. Date of last activity is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. High credit is being reported {$8800.00}, {$0.00}, {$8200.00}. Transunion, XXXX  and XXXX  have failed to respond.

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 2021-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I was in line filling out my information with the front desk, I said I didn't need them any longer and walked out. They still billed me $ XXXX by mail and I didn't pay because it was fraud. I have been in collections for 2+ years now because of this situation. These guys are fraudsters. 

Opened : XX/XX/2019 ( 1 yr, 11 mos ) Account status : Open -- Amount Attempting to Collect : {$1000.00} Original creditor : XXXX XXXX XXXX -- Creditor Information AARGON AGENCY INC ( 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 2021-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
On XX/XX/XXXX, my husband and I applied for a mortgage. Upon applying, we received a copy of our credit reports. One of the collection debts listed on my credit report is for a utility bill with the the XXXX XXXX XXXX XXXX XXXX XXXX company for {$800.00} from XX/XX/XXXX. The debt collector is Solomon & Solomon P C ( Account # XXXX ). On XX/XX/XXXX, I made a payment on the debt account in the amount of {$600.00}, via credit card. On XX/XX/XXXX, I made a final payment in the amount of {$200.00}, via debit card. The debt was PAID IN FULL. 

On XX/XX/XXXX, I received a notification from XXXX that a new debt collector was reporting a collections account for the XXXX XXXX XXXX XXXX XXXX XXXX company in the amount of {$800.00}. This debt has been paid. 

Solomon and Solomon sold a debt that was paid off. The duplicate account, now owned by XXXX XXXX XXXX XXXX ( Account # XXXX ), is negatively impacting my credit score, and I no longer qualify for a mortgage due to the impact the collection account had on my FICO score and credit worthiness to lenders. 

I paid the {$800.00} debt to Solomon and Solomon, but the payments were not reported, and the collection account is still listed, twice, on my credit report. The account still shows past due, and is being inaccurately reported.

Company response to consumer: Closed with explanation