vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I sold my husbands vehicle I was given 3 money gram money orders of {$500.00} each I went to Walmart to cash them 2 went through fine the 3rd was declined the clerk told me it might be because of having to many & to try another day. Yesterday went to try to cash it was still declined the clerk told me to use it here put in the reference number and it will tell me why it was declined so I just did it and it didnt really tell me why. I dont understand its a Walmart money order funds have been paid why cant I cash it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: IL

Complaint narrative:
In the past two weeks I received two prepaid debit cards for unemployment benefits, and I never applied for either. One is from KeyBank for Illinois ( received XX/XX/XXXX ), the other is from XXXX  for Colorado ( received XX/XX/XXXX ). I never activated either card. I contacted KeyBank immediately ; was not able to get through on phone ; did online Chat, they told me KeyBank is a third-party provider who can not do anything related to the card and I must contact Illinois Dept of Employment Security ( IDES ) ; IDES doesn't answer the phone and all their offices are closed. So I gave up on that one. The second card from XXXX arrived yesterday, I went to their website where they had a form to notify the bank if I'd received a card for which I never applied ( so apparently this is happening to a lot of people ). I completed and sent in the form. I am deeply concerned that someone is using my name, address, phone to apply for benefits, and the banks don't even have a procedure for me to cancel these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC won't let me authenticate my account through third party linking services such as XXXX. This makes it impossible for me to conduct transactions in a timely manner in this day and age.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: AZ

Complaint narrative:
XX/XX/XXXX I saw a new credit card in my online banking with XXXX that I did not apply for. I called XXXX immediately and they told me it had been opened that day via online. They took a fraud claim and advised me the account was closed and it would be removed from my credit report ( Experian ). 

XX/XX/XXXX I received a letter from XXXX stating they completed their review, determined I was not responsible for the credit card account, and would ask the credit reporting agency to remove this account from my credit report. 

XX/XX/XXXX I saw the hard inquiry from XXXX from the fraudulent credit card still on my Experian credit report so I called XXXX. I spoke with XXXX who was completely unhelpful, told me he would email another department to see when the inquiry would be removed and I would hear back from them and he couldnt give me a timeframe to hear back. I also tried to dispute the hard inquiry through Experian but they told me they dont handle inquiry disputes and to contact XXXX XXXX. 

XX/XX/XXXX Hard inquiry still on my Experian credit. report So I tried to call XXXX again. I received a recording saying they were not taking phone calls ( due to Covid ) but I could email them so I emailed them. 

XX/XX/XXXX I received a call from the XXXX XXXX XXXX. who told me to get the inquiry removed, I had to call their Credit Bureau Dept. at XXXX, XXXX EST, Monday-Friday. This rep told me to advise that dept. to check the notation on the fraudulent account from this rep. dated XX/XX/XXXX. 

XX/XX/XXXX or XXXX, XXXX As instructed by the XXXX XXXX. at XXXX, I spoke with someone in their Credit Bureau XXXX. This rep stated she would resubmit a request to the credit bureau to remove the inquiry and would send me a letter in XXXX days. 

I then received a letter from XXXX dated XX/XX/XXXX stating that they asked Experian to update the XX/XX/XXXX inquiry to a soft inquiry and also encouraged me to review a copy of the credit report to confirm this update. 

XX/XX/XXXX I just got a new Experian credit report and the inquiry from XXXX from XX/XX/XXXX is still showing as a hard inquiry.

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 2020-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NC

Complaint narrative:
This debt appeared on my credit report claiming I owe {$260.00}. I contacted this company letting them know this is not my account or debt and that its a family members. They totally ignored this fact that this wasnt mine and continually tried to get money from me. I disputed this transaction as well. They then again informed the credit company this was accurate. This is fraudulent action thats caused me a XXXX point reduction in my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This company is listing XXXX unverified public records on my credit reports. Your initial communication to me of the unverified public records was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-01 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: NY

Complaint narrative:
I recently reached out to the Federal Trade commission regarding fraudulent activity on my credit reports. This information must be investigated and removed immediately as it is directly effecting my credit.

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 2020-08-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-08-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

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 2020-08-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Coinbase is preventing me from trading despite previously being allowed and they aren't letting me know why I can't. They said they can't " elaborate on [ their ] internal decision process ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 recently reached out to the Federal Trade commission regarding fraudulent activity on my credit report. This information must be investigated and removed immediately as it is directly effecting my credit.

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 2020-08-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a compliant on XX/XX/2020 against XXXX XXXX  XXXX for putting info on my experian credit report that was previously removed. It appears they are resurrecting this old chargeoff to hurt my credit score.

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 2020-08-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting the following inquiries without my permission or knowledge. 

These accounts are being reported without no permissible cause, no credit or loan was offered or receive. This is a violation of FCRA rules section 1681. 

1 ) XXXX XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 2 ) XXXX XXXX- inquiry date XX/XX/2020, no permissible cause a violation 3 ) XXXX XXXX XXXX XXXX inquiry date XX/XX/2020, no permissible cause a violation 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX card services- inquiry date XX/XX/2020, no Permissible cause a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This will appear to be a duplicate but CFPB it is Not. I am adding additional documentation in support and verbiage below. CFPB you can mark the complaint XXXX as a duplicate and close that one submitted to Experian on XXXX XX/XX/2020. 

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address, also my government ID. I am in the process of selling my vehicle thus will not be in need of a DL. I have provided a government ID nor will be getting one ( of which was permissible in the past by Experian ). All I can do is provide my IL DL - to show you who I am but the address is not correct. Please update this address. I no longer live in the XXXX XXXX XXXX  I have also provided a copy of my current report and profile address data. Also, today, I received another document of which further proves where I live otherwise I would not be in procession of it from Experian. My address is updated with CFPB and on the Experian website. I would prefer to do all of this through the site but it is not working and has not been for some time.

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 2020-08-01 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: CA

Complaint narrative:
There is an inquiry from XXXX XXXX dated XX/XX/2019 that i did not authorize. I have written the bank and they have responded that they have rerquested experian remove the inquiry in question.

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