vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I am a XXXX patient, and an XXXX XXXX, XXXX, XXXX XXXX Veteran. I am in XXXX treatment. I got behind but was in contact with the company, and have resumed full payments. I have asked for a complete audit of my account and have been waiting for a call for 6 months. They would call up to 11 times a day, and email me 5 or six times a day. Now for some reason I can't get the information I have been requesting. I was told they sent an email XX/XX/2020, at XXXX, XXXX, CST. I have not received that information as of yet. When they were emailing me harassing me and doing the same up to 11 times daily I received all of those emails and calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have been using PayPal for more than three years to receive payments of services which I offer to my client.On XXXX XX/XX/2019, PayPal permanently blocked me using their services and also held my funds.After their said 180 days elapsed they sent me an email indicating I can withdraw my funds.The problem started when I tried withdrawing my money with no breakthrough. I sent them direct messages which I can share with you if need be.I tried their XXXX handle with no help.I kindly ask you help me get my funds from PayPal.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada)
State: TX

Complaint narrative:
ORIGINAL CREDITOR IS XXXX XXXX COLLECTION AGENCY IS ALLIED COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. MY ORIGINAL ACCOUNT BALANCE WAS TRANSFERRED TO A NEW ACCOUNT # WHEN I SWITCHED XXXX XXXX LOCATIONS. THEY NEVER XXXX  OUT THE OLD ACCOUNT BALANCED AFTER IT WAS TRANSFERRED. INSTEAD THEY HAVE ME IN COLLECTIONS FOR THE ORIGINAL ACCOUNT THAT SHOULD HAVE BEEN XXXX  OUT AND CLOSED AFTER THE TRANSFER. I HAVE AN ACCOUNT WITH XXXX AND IT IS AND IT IS IN GOOD STANDING. THEY ARE RUINING MY CREDIT SCORE. THEY HAVE ME IN COLLECTIONS FOR A DUPLICATE ACCOUNT.

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 2020-06-28 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: MO

Complaint narrative:
My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. 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 2020-06-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's American Express Account put me on late payments while I was overseas on lockdown because of covid-19

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 2020-06-28 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: NY

Complaint narrative:
the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft

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 2020-06-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: Nelnet, Inc.
State: TX

Complaint narrative:
Hello, I am one the millions of Americans whose credit scores have been negatively affected by the Great Lakes Borrower Services glitch in their student loan reporting after passage of the CARES Act. 

https : XXXX I have always had good credit, and make my regular monthly payments and my credit score took a nosedive and has still not been rectified. 

I thank you for your help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: MO

Complaint narrative:
My identity has been compromised via the dark web, Equifax breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: MO

Complaint narrative:
My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly 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 2020-06-28 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: IN

Complaint narrative:
The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX  3. XXXX XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. 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 2020-06-28 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: IN

Complaint narrative:
The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX 8.  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: IN

Complaint narrative:
The following accounts both opened and closed are not mines, my identity has been compromised and it has not only affected me emotionally but my credit file as well. I'm demanding the immediate removal of the following unauthorized and unknown accounts. 

1. XXXX XXXX XXXX  {$1700.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  4 . XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. 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 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC will not let me link my account to an external source. There is no solid reason I can see as to why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
the following accounts are fraudulent and are not mine, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
the following accounts are fraudulent and are not mine, I am a victim of identity theft

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 2020-06-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
the following accounts are fraudulent and are not mine, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
fraudulent unauthorized inquires that I see on my credit report which I did not authorize

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 2020-06-28 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: NY

Complaint narrative:
I had notified Experian credit bureau about incorrect reporting on my credit file from XXXX XXXX XXXX   XXXX. I explained that this account I had no knowledge of and that it did not belong to me they responded back 75 days later which is ( PAST THE 30 DAYS REQUIREDTO RESPOND ) back and never resolved the issue. Never sent me any PROOF that the incorrect information being reported on my file actually belong to me as stated in the FAIR CREDIT REPORTING ACT. THAT SUBSTANTIAL EVIDENCE PROOF OF MY SIGNATURE ON ANY DOCUMENT STATING THAT SAID ACCOUNT BELONGED TO ME. I asked for verification and proof that this account belonged to me or signed documentation with my signature and proof of how they were verifying this information from XXXX XXXX XXXX XXXX. I indicated that if no REFUTABLE PROOF WAS FOUND that they immediately delete this file from my credit report. They responded with only that my file was updated. Didn't specify how was they verifying this information that was being reported on my file. NO PROOF OF ANY CONTRACT OR BINDING DOCUMENT WITH MY SIGNATURE was found stating that I owned this account and or was responsible for said debt and was told that my credit file was JUST UPDATED only and they continue to report this account on my credit report falsely.

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 2020-06-28 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: NY

Complaint narrative:
fraudulent unauthorized inquires that I see on my credit report which I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: ID Analytics, Inc.
State: NY

Complaint narrative:
fraudulent unauthorized inquires that I see on my credit report which I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine

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 2020-06-28 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: NY

Complaint narrative:
this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine

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 2020-06-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP
State: LA

Complaint narrative:
US Bank Reliacard has told me to contact Louisiana XXXX XXXX, and they RARELY answer the phone, and when they do, and not hang up on you immediately after sitting 2 hours with you waiting to literally hang up in your face. or send another card another card. I have recently gone through 3 US Bank cards, all with a XXXX balance, when my Unemployment has sent me a total of @ {$700.00} strictly unemployment, and about {$2000.00} for the CARES ACT. Someone please solve this conundrum for me! This has gone on for a very long time, and whoever is reading this, please help!! Times aren't exactly kosher at the moment. 

Thank you, XXXX XXXX XXXX XXXX is the laziest employees I've ever had to deal with on the phone, and US Bank XXXX XXXX is not far behind them, where I wait about 1hr 30 min on average to speak with a human being.

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 2020-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/2020, XX/XX/2020, and several times in XXXX and XX/XX/2020 PNC has not allowed me to Access my account through a third party so that transfers can be made between my two domestic checking and savings account. I should be able to access my PNC account by any means I choose electronically, including signing in through another banks web access point. I have attempted on several occasions to connect my PNC bank account by providing my correct log in information to credit karma bank account. I am unable to do so. PNC is not allowing access to my virtual account online. This is a violation of consumer Account access to a virtual account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 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: NY

Complaint narrative:
Experian or XXXX  didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id

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 2020-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I gave a friend a ride home and used my card on there phone for uber and since the XXXX of this month to today they have used over XXXX dollars in uber

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 2020-06-28 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: NY

Complaint narrative:
XXXX  or Equifax didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Company attempts to collect money as a debt collector without being a secured party creditor, a violation of federal and state law. 

Agent sends erroneous validation of debt letter unsigned, this act is fraud. 

Communication letter misidentified the company legal name, an act of fraud. 

The agent and ceo wont respond to my three communications each, a non response equates to fraud. 

Alleged debt is reported to credit agencies causing actual harm, no contract no case. 

Alledged original creditor XXXX, XXXX not registered to do business in State of Florida during the time periods stated.

Company response to consumer: Closed with explanation