vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: CO

Complaint narrative:
I have on 3 occasions reached out to XXXX, XXXX, AND EQUIFAX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: CO

Complaint narrative:
I have on 3 occasions reached out to XXXX, Experian, AND XXXX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.

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 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a credit balance on my credit card due to refunds and Capital One won't send me funds that are owed to me. I requested that my credit balance be sent to me on XX/XX/2020. I was told that a 15 day hold would be required since the amount was over {$10000.00}. I don't understand why, but I can accept that. On XX/XX/XXXX, an adjustment was made to my account and the refund was processed, so I thought, and that is what is reflected on my online account information and per customer service rep. Now ( XX/XX/XXXX ) I'm told they are holding funds because I have a credit charge dispute. They don't know how long they will hold it. I was never contacted that there was an additional hold. The only reason I know this is because I inquired that it was taking too long. The disputed amount is for 2 charges of {$1600.00} total. My refund is for {$15000.00}. If they need to hold funds for the dispute, then only up to the amount of the disputes should be held and a refund of {$14000.00} should be made immediately. The have no reason to hold my money. I also had issues with 2 previous credit refunds. They twice stopped payment for no reason on checks sent. Those have been resolved, but add to the shameful practice of holding on to clients ' funds inappropriately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
says that I am late on the dates below though I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this XXXX XX/XX/XXXX-XX/XX/2020

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

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 2020-06-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}

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 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Summer XX/XX/2019- My Identity was Stolen to open several Cell phone accounts with : -XXXX XXXX XXXX  XXXX They paid the bill until I noticed this theft. Their accounts were canceled but they had device leases ( so they owe money on devices ) The companies do not seem to close out the accounts after I report fraud. 

They also tried to rent an apartment They also tried to open Credit Cards I have opened Police Report in XXXX, Texas. I am from & live in XXXX, TX area. 

The identity theft all seemed to be conducted in Ohio. 

I keep getting calls for collection- but I have no known open accounts. My credit is almost perfect, no past due items on my credit report. Im not sure why the collection companies believe they can call me in Texas for accounts opened elsewhere. 

They do not seem to verify the credibility of accounts they purchase and run against where the supposed accounts are located against where I live. I live in XXXX, they have my address, but they call for accounts in different states. 

In the end- there are probably more accounts open that I do not know about. But at this point my credit is frozen, and in good standing. All accounts opened outside of Texas should be a clear indicator of fraud. Especially if accounts originate from somone with my info out of XXXX, Ohio Attached is XX/XX/2019police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX  and XXXX  multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC is not allowing me to connect my account to " XXXX  XXXX   ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
XXXX XXXX reported a debt of {$160.00} to XXXX. I called to inquire, and the receptionist stated she did not see anything in her records because I have not been there since XX/XX/2017. I called the collection agency, RA Rogers, and spoke with Ms. XXXX ( xXXXX ). She gave me account # XXXX, and asked me to call XXXX and get confirmation that the debt is not valid. When I called XXXX back, I spoke with XXXX. She said the debt was so old, it was no longer in the system. However, it appeared I owed a debt of {$160.00}, which was the balance after insurance paid. I paid the debt right away. On XX/XX/XXXX, XXXX XXXX emailed the receipts with full balance paid. I provided these receipts to RA Rogers and asked them to update the credit report. On XX/XX/XXXX, I filed a dispute with XXXX. Despite providing objective evidence, RA Rogers verified to XXXX  the balance ( {$160.00} ) is unpaid. As such, the derogatory information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
With my Kroger Rewards Master card issued by US Bank, I make sure that I have auto payment mode turned on. I made a payment on this card earlier than the scheduled payment. Now, still they are deducting my payment for this month even though I turned the auto payment option off. This us the second time this particular incident happened. The payment will go through and deducted from my checking account and that messes up our budget. We are only on Social Security for our fixed income and something like this greatly affects us. Now we have to borrow to cover up for this Card 's gross mistake. It takes them somewhere from 7 to 10 business to refund me. I have other credit cards and when I pay my required payment even before the due date, it's considered as having made and satisfied my monthly obligation. I'll have to call them up again and probably wait for up to 10 days to get my refund. Please help.

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 2020-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-06-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX  XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. They failed me!! I tried contacting both NAVY FCU AND ALL THREE BUREAUS with no successful resolution. There was definitely an error on their part. You guys are reporting late payments DIFFERENTLY FOR EVERY month for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! You have 120 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX and XXXX  and you have 150 days late FOR THE SAME MONTH! Well, which one is it? I was never 120 days late XX/XX/XXXX! You have 60 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 90 days late for the SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 60 days late FOR THE SAME MONTH! Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX  and you have 30 days late FOR THE SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have on time. Well, which one is it? You have me on time XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 30 days late for THE SAME MONTH!! Well, which one is it? THIS NEEDS TO BE REMOVED IMMEDIATELY because you have failed to report accurate information and by the FCRA YOU ARE REQUIRED TO DO SO!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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:
remove the inquires all ftc violations : XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-06-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
remove the inquires all ftc violations : XXXX/XXXX  XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/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