vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-30 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: MA

Complaint narrative:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: MA

Complaint narrative:
How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the XXXX XXXX   due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2020-07-30 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: TX

Complaint narrative:
I reported to Trans Union and XXXX  that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after 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 2020-07-30 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: CA

Complaint narrative:
Equifax refuses to remove fraudulent inquires on my credit report and an account which is also fraudulent they just switched the account status to closed. XXXX XXXX XXXX  was fraudulent. The account needs to be removed. The fraudulent inquires are XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All accounts listed are fraudulent. Equifax refuses to remove them after sending multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
Equifax is showing 2 items in dispute and XXXX and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: TX

Complaint narrative:
I reported to XXXX XXXX and Experian that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after 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 2020-07-30 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 pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2020-07-30 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from 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 2020-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
In 2016 I had identity theft and all my accounts with TCF were affected draining my income, and I was facing foreclosure. I was able to recover and pay everything current, but they still foreclosed without informing me. TCF never changed my account information when I reported fraud with my accounts and requested new accounts and cards, twice I was a victim from Tcf. I still am current on my mortgage and taxes since. Suddenly this past month I received a petition. For a foreclosure that should have never gone through, nor was i properly informed or served by anyone. The one I see on property records is missing the stamp among other mistakes. I need to prevent losing my home I built and lived in for over 30 years. Im retired and facing being homeless from fraud. Ive contacted lawyers everyday and struggle to find help with my case. People who are victims of fraud shouldnt have to face losing their mortgage for over 30 years and face being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XXXX i can't link my account to XXXX XXXX and I already called PNC BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which XXXX XXXX recieved on XXXX. On XX/XX/XXXX XXXX XXXX sent me only a validation of debt letter ( which did not have all correct information ) I again contacted XXXX XXXX on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to XXXX XXXX the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was  to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make  payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with XXXX XXXX, Arbor Solutions and 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 2020-07-30 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: I.C. System, Inc.
State: FL

Complaint narrative:
This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.

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 2020-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I recently checked my credit and saw this company had popped up and reported like 6 times at once. So I called the number I was given online. When they answered they just said XXXX, I said I'm trying to reach DRS. he then said oh okay let me give you another number. He then came back and said I'll transfer you so I said okay. The next guy answered the phone XXXX, and said who is this I stated again I was trying to reach DRS Debt Recovery Systems, then he said ' how did you get this number '' I said I was transferred. So I proceeded to question the errors on my credit report. He didn't have any of my information and was asking for my full social and birthday and my address. I didn't give him any of that. I told him he could verify it with my telephone number if he needed to or my email. Then he said ' your going to tell me how to run my XXXX business. Right then I knew this had to be some type of scam. I would like this removed from my credit immediately, I had my phone on speaker and 3 of my other co-workers heard the conversation and were shocked. I called the company that they listed they were collecting for and they have no clue as to why this company is contacting me. They could not validate any of my information so i did not confirm anything, and using profanity is violating FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: NJ

Complaint narrative:
I still can not link my PNC account with my XXXX account since I already call the PNC but the agent can not figure out what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30 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: U.S. BANCORP
State: OH

Complaint narrative:
I received a letter in the mail with an attached US Bank Cash+ Visa Signature Card that was stated to replace my current US Bank Visa Platinum card. My current card does not expire until XX/XX/XXXX. The wording on the top of the letter states : " Congratulations, your account has been upgraded to a new U.S. Bank Cash+ Visa Signature Card . '' For clarity, I intentionally do not carry a rewards card as I am familiar with interchange fees and try to consider my small, local businesses whenever possible. I am also employed by, and work very closely with, a small business owner. I see exactly how much extra money goes out due to processing rewards cards vs. regular credit cards. 

When I called US Bank to figure out what was happening, I got several responses ranging from " Your current card is no longer offered '' ( It is currently advertised on their website ) to " We do automatic upgrades for cards that have been inactive for 2-5 months '' ( My last activity on the card was a purchase on XX/XX/XXXX for {$970.00}, a purchase on XX/XX/XXXX for {$94.00}, and a purchase on XX/XX/XXXX for {$67.00}. These were all paid off within two weeks of the purchase date and none fulfill the claim of 2-5 months of inactivity. 

When I asked if I could simply not use the new card for the reasons stated above, I was told that the change affected the account and not the card itself. So, while I received no communication, submitted no request, and gave no approval or permission, my current card was changed to a rewards card in early XXXX. When I asked them to simply change it back, I was told that it wasn't possible to change back, and I would have to close the account and re-apply. I was later told by the manager at the call center that the product services department usually ran offers 2-3 months after automatic upgrade campaigns to downgrade cards back to their original status. I was also told by the same manager that the campaign affected around 5200 customers after being told by a previous employee that it affected 52,244 customers. When I pressed to get in touch with someone who could change my account status I was told that no one above her takes calls from customers and that I was free to fax or write them my questions/requests. 

I felt like this situation was relatively ridiculous considering my end goal was simply to keep the card I had. When looked at ethically, it becomes more questionable on the larger scale. It is reminiscent of the XXXX XXXX scandal in recent memory. Especially when you consider the lack of communication or input from the customer side.

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 2020-07-30 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: TX

Complaint narrative:
XXXX is showing 2 items in dispute and TransUnion and XXXX are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.

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 2020-07-30 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: TX

Complaint narrative:
XXXX is showing 2 items in dispute and XXXX and Experian are reporting 1 account in dispute. I have not disputed these accounts and wasn't aware of that status until a lender pulled my credit report. I mailed a request to all three bureaus requesting they remove that verbiage from my credit file and they have not done so and it has been over 45 days since it was requested. Both accounts are in great standing so there would be NO reason to dispute them.

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 2020-07-30 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
starting last year I noticed that my vehicle finance company was showing me as missing and or being late on payments that did not add up. I sent inquiries via the email portal on their website and I never got a response. The information on my credit report is not accurate or up to date. The account is actually closed now " paid in full '' and it still shows me as having a balance on my credit report. When i contacted the company they claimed that everything is correct, but it is not. I have done the disputes through XXXX XXXX and they have come back the same and nothing is being done to correct the wrong information nor have they updated showing that the account is paid in full. I need help and or guidance on how to force them to update my account as paid in full, and remove some of if not all of the negative marks on my account and credit report since they never provided me with information showing when I was late or what payment I had totally missed ... I mean, if I had missed 18 payments on a vehicle ... it would have been repossessed. The name of the company is Credit acceptance.

Company response to consumer: Closed with explanation