vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Tried on several attempts since XXXX to get debt verified. Now that its XXXX No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one spark for business is showing up on my personal credit report. This is a business card that ran my company 's XXXX XXXX XXXX account to determine our credit. I have tried multiple time to have them fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I never signed a contract with this company for services or financial gain.

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 2018-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX Trans Union XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 




XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX 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 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I made my final scheduled payment on an auto loan with Bridgecrest ( formerly XXXX ) on XX/XX/2018, a few days before the scheduled maturity date of XX/XX/2018. When I made the final payment the agent that I spoke with informed me that I had 90 days from the maturity date to pay the remaining balance on the loan. I paid the remaining balance 84 days later on XX/XX/2018. Roughly a week later on XX/XX/2018 I pulled a new credit report and was surprised to find that they had reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

At no point during the initial conversation did the agent mention that it would be reported negatively during the 90 days. I also spoke with an agent a few times during that 90 days and was never told that it was reporting negatively or that it would report negatively. After pulling the credit report, I contacted the loan company and spoke with a manager who assured me that it would be fixed. A few days later I received a credit reporting letter with an account status of " Paid / 81 days past due '' and 1x30 for XX/XX/2018. Again I contacted the loan company and spoke with a different manager that is now stating that there is nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Never signed a contract with this company for services or financial gain.

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Continental Credit, LLC
State: CA

Complaint narrative:
I decided to give this company another try after they failed the first time to provide services as advertised. I was skeptical but after seeing the results from my mother 's credit scores, I signed up in XX/XX/XXXX of this year. I shared my previous experience with XXXX, the representative who signed me up. She promised me that she would be one of the persons working on my credit file. Since signing me up in XX/XX/XXXX, I have not been able to speak with her. When I call and ask for XXXX, I either get transferred to her voice mail or am offered to speak to someone else. After using Continental for almost 7 months, I am not satisfied with the results. The representatives continue to provide me with the same information after every round of disputes are completed. I have done the majority of the work on my own. Most of my negative credit are from my student loans and inquiries so I don't understand the lack of results. All they are doing is taking {$79.00} a month to do absolutely nothing. I recently requested to speak with a supervisor to express my concerns. His name was XXXX XXXX. He apologized and also agreed that I had not been given enough information on my file to know how much progress had been made. He explained my positive and negative credit and told me he would follow up with me on XX/XX/XXXX to let me know my credit score. Since then I have not heard back from him. At this point, I want my money back. I can dispute my credit on my own and at no cost. I am disappointed once again and embarrassed that I gave this company another try to help me improve my credit score. It seems as this service is not for everyone. The information is not consistent and there is too many people working on the customer 's credit file. I want my money back and will do my own credit repair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX I applied and was approved for a Conns credit account for which I purchased a Desktop XXXX computer. I returned the item the next day cause I was missing a part and I was dissatisfied with the unwelcome customer service treatment. I expressed that I did not care to purchase the computer, Conns stated to me that there would be a restocking fee of I believe anywhere from {$45.00} to {$75.00} dollars, I said fine, so therefore with the returned computer sitting on the conns counter and me sitting and waiting almost 2hours and being told that I would be help by a manager, I decided to leave .After a day or 2 I started receiving harassing phone calls and threats to damage my credit. I've never made a payment as stated on my credit report and I returned the merchandise. I never took ownership of said equipment and I promise there is absolutely no proof that I made an payment as is stated on my credit report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: IL

Complaint narrative:
I am filling a complaint against Experian and XXXX XXXX XXXX for incorrect reporting. 
I had a XXXX XXXX XXXX  charge card that was Charged Off by XXXX XXXX XXXX on XX/XX/XXXX. This account was then transferred to XXXX XXXX / XXXX XXXX on XX/XX/XXXX. I paid XXXX XXXX on XX/XX/XXXX, and the account was settled. 
On XX/XX/XXXX I had disputed through Experian that XXXX XXXX XXXX  had not updated that my balance was now zero. The dispute came back where they updated the balance, however in addition they reported the account Charged Off again, Negative Payment and Failed to Pay resulting in new late payments and credit score to drop 20 points .On XX/XX/XXXX, I disputed again there reporting was inaccurate and I wanted it corrected. The results came back an additional Charge Off and Failed to pay, resulting in my score to drop another 14 points. 
On XX/XX/XXXX, I tried one last time to dispute after I spoke to an Experian dispute specialist and he assured me XXXX XXXX XXXX   reporting was obviously not accurate but they had to update according to what they report. Once again it was reported as a new Charge Off and Failed to pay causing another 14 point drop. The results were reported as unchanged. 
I tried writing directly to XXXX XXXX XXXX but they told me my account was closed and transferred to XXXX. How can XXXX XXXX XXXX  report negative when they have no right to this account since XX/XX/XXXX. Finally I spoke to another Experian dispute specialist and he called XXXX XXXX XXXX  while I was on the phone. He verified that I was correct but because this account was transferred, he could not correct my credit report. 
This has resulted in multiple negative reporting that is not accurate.

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 2018-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 




XXXX XXXX Inquiry from XX/XX/XXXX + Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2018, I called my PNC Bank Account, XXXX, followed the prompts, and heard that my balance was {$1.00}. That morning I did not use my Debit Card at all. By mid day, I walked up to the PNC ATM located on XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, Telephone : ( XXXX ) XXXX ; made a {$300.00} cash deposit and the receipt reflected {$300.00} vs. {$300.00}. This is the second time I see money disappear when I look at an ATM Receipt. So, this time around I walked into the Branch and explained to XXXX ( an employee ) everything. She sat behind a computer and after 3 minutes or so, she said, " Oh, this computer is freezing. Let me try another computer. '' She walked into a private office, did not invite me, and after about one minute, I walked into that office, then she said, " They system keeps giving me an error sign. Let me give you a call once I find out why {$1.00} is not in your account. '' She said she'd call me later. Well, later turned out to be one or two DAYS later. I turned on my phone and there was a message. I simply saved it. Then, when I ran into her towards the end of the week, she said the missing fee was a MONTHLY fee. I found that to be extremely ODD because for the LONGEST time, I was NEVER charged a monthly fee because I was depositing OVER {$500.00} dollars. Then, they began to charge me {$5.00} because of some lie. And then XXXX says, " Oh, it was a monthly fee. '' And that's another lie because if it were a fee, there should have been a negative balance. And at the very bottom of the ledger attached ( if you see the figure ) It would have reflected {$1.00} vs. {$0.00}. With all sincerity, I perceive PNC Bank has duplicated 2 additional accounts with my identity, hidden my account again, and allowed illegal activity to take place. And the missing of {$1.00} was a TEST to see that if they wired ex amount of money a few days later, it would go into that duplicated account. That's what I think really occurred and I would like your Department to prevent this crime from occurring again. It's happened at least 2 others times where OVER {$200000.00} gets deposited ; and the idiots wants to make it seem " It's my money. I have access to it. '' And I have ZERO access to it. Then they want to transform my internal body to reflect " Spy. '' And I do NOT qualify to be a spy nor am I ANYONE 's spy. That's another crime in itself. Please have PNC shut down any other account with my identity ( XXXX ) ; and change their codes. I find it to be highly unlawful for my deposits to go into another person 's account who then wants to make it seem we're a team. I'm an independent Citizen with NO spy sister, tribe, and I am LEGAL in our country. So, please end this nonsense. Unmerge my account ; and enforce respect. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Every few months SunTrust bank, for some reason, reports that my home equity line of credit is closed. Every time this happens, my credit score with XXXX and XXXX XXXX plummet. Then it will be fixed, then it will be OK for a few months, and then SunTrust will spitefully report again that the account is closed. I believe they are doing this because they know I am shopping around for another lender to take over this loan because I am not happy with their customer service. I can not get it through their thick skulls that the account has been reaffirmed after my bankruptcy in XX/XX/2014. Since the account was open in XX/XX/2004. I have never missed a payment. 

Every time SunTrust reports the account is closed hurts my credit score and I wanted to stop once and for all.

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 2018-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Don't do as XXXX XXXX XXXX, rushing to sue without trying to settle the debt via out-of-court communication. I need more time and making progress to solve my financial problems. 

It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
A short time ago, I received a debt collection notice from Berlin-Wheeler about an unpaid amount to XXXX XXXX in XXXX Kansas. The notification was for a debt less than a month old. 
I therefore told them, in no uncertain terms, within the 30 day limit, to stop trying to collect. On XX/XX/XXXX, they sent a verification to the debt, pretending that I asked for it when I did not.

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 2018-08-12 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: IL

Complaint narrative:
I filed a complaint and Experian lied and said these accounts do not appear but the false accounts by XXXX XXXX and XXXX XXXX are is still being reported despite their lie that they are not.

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 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish it,

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 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX DBA XXXX XXXX is reporting that a closed account was delinquent two or three times to all three major credit reporting services. This account was never paid late, and was never a delinquent account. I contacted the company by certified mail on 4 separate occasions to inform them of their mistake and request copies of any information or proof of my delinquency on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. All requests were met with form letters stating they completed an investigation and found their information was correct. 

At no time has the organization sent any supporting documentation proving this reporting. 

Reporting false information is a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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