vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an account ( XXXX XXXX XXXX listed on my credit report. I have been disputing it for a month. Its not my account. i have submitted my lease, my electric bill and various other evidence showing i never lived at the the address XXXX XXXX  is trying to collect for. Experian has chosen to ignore all the evidence, plus the fraud alert and multiple notices saying my SSN has been compromised from their own company and kept this fake account on my record damaging my credit. I also have spoken with reps throughout this process and submitted information. I spoke with a rep on XX/XX/20 who stated that the creditor XXXX XXXX   had not responded. It should have been deleted when I was on the phone. Experian is violating the FCRA by keeping this account on my credit and not investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a credit alert on XX/XX/2020 in regards to an inquiry from XXXX on XX/XX/2020. I called XXXX to ask what was going on. The representative stated that the inquiry was soft and was pulled in relations to a potential credit line increase on my existing XXXX card. I told the representative that was false and there is indeed a hard inquiry on my credit file. She then stated that normally they don't pull credit for increases, only for new credit. Then after being put on hold she then says that the inquiry was something I authorized. I told the representative that I am currently in the home buying process and I would not authorize an inquiry knowing it would jeopardize my chance of qualifying. She stated that I should contact TransUnion to dispute the inquiry. 
I contacted TransUnion to tell them what happened and they refused to dispute the inquiry stating that it is " factual ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
XXXX XXXX  XXXX  sent escrow to USAA my XX/XX/2020. They insist USAA accepted transfer of funds. USAA insists they never received the funds. They asked for date time of transfer. I called XXXX XXXX  and asked. I called back USAA to notify them of ate and time. USAA still says they never received the money. It has been deducted from my escrow. USAA refused to allow me to talk with a supervisor. Told they could not find the missing funds. Asked for a deep review and this was not granted. Was told supervisors are unavailable during COVID. Called XXXX  4 times and USAA 4 times with no resolution. Asked that XXXX  and USAA speak together. XXXX attempted and USAA refused. Missing funds amounts to over {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Credit Bureau of York, Inc.
State: MD

Complaint narrative:
Hello, I have an account on my credit report showing from YK CR BUREAU. The orginal creditor name is XXXX XXXX. The balance is showing on my credit report as {$1400.00} and the account status is listed as open. I have attempted to dispute this account with YK CR BUREAU as well as XXXX  and it has not been removed. This is not my account and belongs to a relative. They were residents at XXXX and left the apartment in " bad '' shape when they left. Again, as I have mentioned I have tried disputing this several times and have been unable to come to an agreed solution. This account was moved to collections on XX/XX/2018 and is hindering my ability to reach my desired credit score to be able to do things to achieve my financial goals. I would like assistance is trying to get this information corrected. I believe this is reporting for my self, XXXX XXXX and XXXX XXXX but the person ( s ) who resided here were XXXX XXXX and XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: DISCOVER BANK
State: CA

Complaint narrative:
During this pandemic I have been hit hard with suffering from my XXXX and been off work for the last 7 months I paid my credit cards when I could and also let them know of my situation. Recently last month I was able to get my Discovery {$2500.00} credit limit and pay it down to XXXX. Never had an issue until this morning when they decreased my limit by {$1000.00} which puts me back in square 1 and putting me almost at my crefit limit again and making my credit score drop after I been working hard to try to pay everything off I'm in a bind to where I have to move and by them cutting my limit making my credit score fall its making it impossible at this point I just want my credit limit back to where it was so I can finish making process to get everything back on track and they are making it hard for me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I first contacted Experian about the incorrect information on my report and disputed it. They did not remove it, but not that there was payments in default. There was also an incorrect Florida address on my account which they have since removed. I just noticed today that the SSN that shows is not mine as well. I will be calling them today to get this problem corrected. It is supposedly from a XXXX credit in XX/XX/2020. I have contacted XXXX and I have no transactions on my account for this year. Since I have no transactions I can not file a dispute. I have been messaging them. They sent me a phone number and again since I do not have a credit card or transaction number they can not seem to assist me. I have also tried calling XXXX XXXX which has the XXXX XXXX account and again since I do not have a credit card or transaction numbers I can not get past the initial computer on the phone call. I have been trying to resolve this incorrect information being placed on my credit report since XX/XX/2020. The biggest problem is that there is no way to file a dispute when you have no transaction numbers or account numbers. I have been on the phone with these companies multiple times and there does not seem to be anyway to get through if your problem is not listed in their short list.

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 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. 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 explanation
Consumer complaint received 2020-10-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. 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 explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been tryiing to obtain a copy of my credit report from TransUnion. I have tried ordering it directly on their site, through the XXXX XXXX XXXX XXXX link, XXXX XXXX everywhere. I have tired several times and I still do not have a nor able to see what is on my TransUnion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: MD

Complaint narrative:
There are several inquiries on my credit reports that I do not have knowledge of. I have attempted to contact each of the companies who " inquired '' to my credit report and they advised me that I need to contact the Bureau which they are showing. I have attempted to contact all 3 credit bureau 's on several occasions and listed the names and dates of the inquiries along with a few duplicate inquiries and they were not helpful. They pointed me back to the company who originally submitted them. One rep encouraged me to file a police report and told me this had to be fraud before they could do anything about it. Per the credit bureau 's website it states to contact them directly with any disputes, there is nothing indicating a police report is needed before they will even speak with you about you concerns and there is nothing indicated that you need to talk to the orginal company who requested to view your credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank is greeting online customers with a pop up screen that says, " Review Your Contact Information. '' Nestled at the bottom is a check box that says " I agree to the wireless express consent provision. '' If you do not check that box, you can not complete and clear the screen. You can choose " remind me later, '' but it is unclear if it will be required at some later point. 

The bank has essentially snuck a new contract provision into the info update screen and is asking all users to sign it. If this is legal, it is disingenuous and none of these contracts should be upheld. I do not consent to this new provision, and I fear I will soon lose access to online banking because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: Carter-Young, Inc.
State: GA

Complaint narrative:
This is probably my 4th complaint with these two companies. Im truly sorry for constantly messaging you all but how can we let this be? 

XXXX, XXXX, XXXX, XXXX and XX/XX/2020 Carter-Young INC stated that I had a balance of {$3600.00} XXXX  XXXX XXXX stated they had a charge-off of {$470.00} For 4 months straight I have been disputing with The 3 Major Credit Bureaus along with the companies ( Alleged creditors ) directory to get them to prove to me that the information that they are reporting is accurate. 

Each time I would dispute the validation of debt or verifying of debt ( two different things ) they would always come back with some paper saying its mine and they would like to settle. I would dispute it again and again and again yet they refuse to send me any form of proof. I have read receipts as to when they received the items as well because I was instructed by my attorney to have everything I sent them certified mail. 


They according to the united states supreme court and thousand more cases have not done so. Not only have these companies not done so They have yet to provide documentation stating I have a obligation to pay them along with anything baring my signature as required by law. They would send me a copy of an itemized bill in a letter without any signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Its like everyone out there is sleep on the law. Why do we let them get away with this?? 

I was very specific as to what law and section during my challenge process. 
Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) ( This is the LAW ) Their actions are none other than 1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They sent updated response to the bureaus that the items meet the FCRA requirements without proof. How could this be when I am very specific about the law. 

The companies XXXX  XXXX XXXX and Carter-Young These accounts are FRUAD Obviously and I am begging one last time before I ignite the lawsuit against them along with the credit bureaus. 

XXXX  XXXX XXXX is still trying to collect on a debt they sold! Why is this? It isn't mine. Is that even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Paypal transaction XXXX for items purchased online. After order was placed I found the seller was non-verified out of country. I immediately notified PayPal 's resolution center and opened a case as the seller withdrew more from my account than what I authorized. Case ID : XXXX. Paypal closed the case said it was not covered under their terms. Subsequently I found out the tracking number given to me by the seller was fraudulent and for a shipment that had been delivered the day prior to the date I placed the order. I notified PayPal of this and have yet to receive any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Did not do what they said they would do in my 1st or 2nd Complaint! They have my SS # blocked where I am not able to call to speak with a person about a dispute that came back on my report. Every time I call the only option I have is to add or remove a fraud alert. Any other prompt disconnects the call! I called using my deceased mothers Social Security number to see if I were able to get thru and they were able to give her multiple options for her to receive her credit report. This is very unprofessional because they have control over your credit! Please look into this! Please refer to my complaints # XXXX and # XXXX. They are sending a general response and NOT fixing the problem!

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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
There are many things wrong with this debt. 
1 - I do not owe it. I have contacted them several times saying I do not owe it, I don't know what it is but they refuse to send me any information. I have asked several times for the information but I have not received a single thing from them. How am I supposed to resolve it if I do not know what it is?? 
2 - They won't stop calling!! I have asked them several times to stop calling me but they still do, multiple times a day. I get calls during my work hours every day. I have told them I am at work and they can not call me during work hours but they still do anyways. I am getting into trouble at work because of it. 
3 - They have one debt broken up into 2 separate debts on my credit report but I don't know a single thing about either of them or how it could possibly be 2 separate debts. 

I don't understand how a company can do these things to people. Its not fair that I don't know any information about it so I don't even have the chance to resolve it. I have been trying to ask the company for over a year about it to resolve it myself before taking it to a complaint but I have not gotten anywhere. I am going to get fired from my job if they do not stop harrassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a credit card with chase XX/XX/30 I received a denial stating I have a score of XXXX which is incorrect, deliquient account also incorrect and etc. I pulled my credit and none of those things exist and I have sufficient proof so why is chase making things up. Is this DISCRIMINATION? My score is XXXX bmy utilzation is at 6 % my income is great and payment history even greater so what is the reason. I also contacted the XXXX  and they have no idea on what Chase is seeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Sent a notice to TD Bank on XX/XX/2020 that a checking account through their institution was fraudulently opened in my name. Sent this notice after my parents received the first account statement from TD Bank at their home address ( my previous address ). This was the XX/XX/2020 account statement that made me aware an account was opened fraudulently in my name. Requested that TD Bank close the unauthorized account and take steps to remove information about the account from my credit files. Requested a written correspondence explaining their findings and confirming the account was closed. 

Never received response from TD Bank. 

My parents received another account statement from TD Bank XXXX XX/XX/2020 account statement ) suggesting TD Bank has not taken any action after I initially notified them of the unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: AmeriCollect
State: GA

Complaint narrative:
Americollect is not my bill! I tried to dispute it with the company and they told me they would mail me a copy of what it was. ( I had to look up Americollect! I had NO idea who they Were. I tried to dispute it with the credit bureaus but get a result that it stays! I am being harassed by the phone calls and its affecting my credit for a bill that is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation