vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have credit inquiries and accounts that I am unaware of. I wrote XX/XX/XXXX, Equifax, and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I checked my credit report and noticed victory secret have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I deposited a check into the bank account and they told me the funds will be available the next day and then they telling me I got to wait 11 days and all the check with sign and the check was signed like he was supposed to be

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 2020-12-24 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: TCF NATIONAL BANK
State: WI

Complaint narrative:
I checked my credit report and noticed tcf bank have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have credit inquiries and accounts that I am unaware of. I wrote XXXX, XXXX, and Experian over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. 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 explanation
Consumer complaint received 2020-12-24 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: GA

Complaint narrative:
Hello. For some time now, I have been going back and forth with XXXX, XXXX and Equifax about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, XXXX and Equifax to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: GA

Complaint narrative:
Hello. For some time now, I have been going back and forth with XXXX, Experian and XXXX about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX  has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date?

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, Experian and XXXX  to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.

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 2020-12-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RC XXXX XXXX XXXX XXXX They are reporting a balance owed and that my account is still open. 

" XX/XX/2019 ( 1 yr, 7 mos ) '' This information is invalid, this account is almost 10 years old now.

Statute of Limitations California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I work as an XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) for the federal government in the XXXX area. I am a XXXX  XXXX XXXX XXXX who served in the XXXX for 23 years. I have resided in XXXX  state since XX/XX/XXXX, but took a job with the federal government in XXXX in XX/XX/XXXX, but transferred to XXXX, XXXX in XX/XX/XXXX-XX/XX/XXXX, where I would go back and forth from my residence in XXXX to my apartment in XXXX. My family stayed in XXXX due to my daughter being in middle school and my long term girlfriend working in the XXXX XXXX felt the move for them would not be beneficial for the family. So, in XX/XX/XXXX, I was contacted by Convergent Outsourcing, Inc indicating I had a unsettled debt with a cable company called XXXX. I told them I have never heard of them and they asked what my date of birth was. I didn't tell them the year but just gave the month and day. The representative indicated the information they had was a match. I adamantly told them they had the wrong person but the debt collection agency insisted the debt was mine. I wasn't overly concerned because I knew I had never lived in NY where the debt was initiated, but when the information affected my credit score is when I filed a complaint with the FTC and forwarded both XXXX and Convergent my identity theft report and letter asking them to desist from collecting this debt from me. I even forwarded a copy of my drivers license believing the agencies would be intelligent enough to determine the debt was not mine. Today ( XX/XX/XXXX ), I received a letter from Convergent Outsourcing, Inc indicating after their investigation they have concluded the debt is valid and I owed it. Initially, I thought how stupid are these people? What investigative systems are they using because there is no way this debt is mine. Nor will I pay for something that does not belong to me. Furthermore, I have never ever ever lived in NY or NJ ( the debt apparently occurred in XXXX, NJ ) nor have I ever opened a cable account with XXXX. A simple credit check will show I have lived in XXXX state and XXXX since XXXX. Their investigative process is definitely rudimentary and antiquated. A simple credit check would obviously show I have never lived in that location. I am frustrated and angry that they would continually insist I owe them 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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank Is not allowing me to have outside mitigation. I have requested it many times after there refund to me in XX/XX/2020 of XXXX which is not even close to the amount that they owe me. It is clear in the settlement they signed that if I am unhappy with there refund it is part of the program. They have been nothing but ruid and not candid from the day they started lying to me 14 years ago. This bank is no better today than the day that they stole my truck. I have filed complaints only to get the same letter or we need more time letter and it is not right. This bank is useless and really why did the OCC lift the cap on there max value when thousands of people are as mad as me about this CPI and then the fake accounts and mortgage fraud changing paperwork and loan papers lying at each turn. what is the current scam this month. 
The People of America dont need Wells fargo Causing us headaches,. It is time we cause them to go out of business.

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 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc.
State: OH

Complaint narrative:
I've never paid for a services from CreditRepair. Com. I've never even heard of them until they began calling at all hours from different phone number because I block every number they call from. Now they're calling me at XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: IN

Complaint narrative:
The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with XXXX, XXXX, and Trans Union and an unresolved complaint with the 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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX XXXX.. I have called, mailed, and disputed online and they still have not remove the account even though center point confirmed it was fraudulent..I am now asking the CFPB to inforce the FCRA as they have violated my rights as a consumer and broke multiple laws.

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 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I got gas a XXXX in XXXX, Ga. I purchased my gas at the pump. I either dropped my card or left it at the pump because I was on the phone with my manager at the time. On XX/XX/XXXX I was at home and woke up around XXXX and was going to check my direct deposit and noticed that {$850.00} in fraudulent charges were deducted from account. I immediately locked my car via the XXXX XXXX and chatted online with a representative and she instructed me to contact the local branch. I immediately called the branch around XXXX and spoke with XXXX XXXX who instructed me that she would file the claim on Saturday once the charges had posted. The claim was pulled and the investigation started on XX/XX/XXXX. I called the bank on XX/XX/XXXX and to my surprised the claim was denied because a pin was used. I have never given my pin out to anyone. So, I got details of the transactions and conducted my own investigation. Not to my surprise one merchant allowed me to see video footage and a purchase made at XXXX in a totally different city from where I live. Not to mention I did not wake up until XXXX. I immediately filed 2 reports because charges were made in different states. I am filing this complaint because the bank refuses to reimburse my money that I have worked hard for especially during COVID. Now that the bank refused my claim, I now can't provide my family with a Holiday meal because the bank refused to give me my money back. What is the purpose of banking if there are no protections for account holders after the fact. Hence why there is FDIC coverage. Regions Bank has not protected me as an account holder.

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
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to reinvestigate accounts that were " certified '' by a creditor which is a violation of FDCPA. I filed a police report on XX/XX/2020 and submitted it to Experian and I spoke to an Experian supervisor in XXXX XXXX and they refuse to block the accounts which contain charges due to identity theft stating that they can only block an account once. This complaint is my effort to remedy this error without litigation as the reporting errors have caused me to be denied by the SBA for Cares Act Loans which has caused me XXXX  in damages.

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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
I have a collection debt on my credit by franklin collections for an accrued phone account of {$4100.00} that was opened while I was incarcerated in XXXX of this year. Upon discovering this I received a text from the phone service to take a survey to a link that I separated the proxy end of the url before send my screenshots and the link to a friend for safe keeping. This link was immediately identified as abusive and locked to my messaging account not allowing me to even delete it. My credit is being effect by something I simply couldnt have done and it seems I've been directly interacted with coming upon it ; held by an agency with past lawsuits for fdcpa. I hope you can talk

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: IN

Complaint narrative:
The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with Equifax, XXXX, and XXXX XXXX and an unresolved complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: IN

Complaint narrative:
The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with XXXX, Experian, and XXXX XXXX and an unresolved complaint with the 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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet. Delete this on my report as it really affects my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I went to take money out at a atm to pay my rent but the atm just kept saying error so I just had to transfer to another account and withdraw from there but a month later chime let the atm company charge me the XXXX dollars even though I never received the funds in hand and pretty much said XXXX you and pay us.

Company response to consumer: Closed with explanation