vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax should not be reporting a collection/chargeoff in the amount of {$31000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX   is reporting correctly. The vehicle was repossessed in 2014. I called XXXX XXXX and asked why they are reporting on Equifax that I still owe the full balance. XXXX XXXX informed me that they are continuing to report this because they claim that the vehicle was picked up on XX/XX/2014. This is not true. I no longer have possession of the vehicle. I asked XXXX to provide me with documentation showing that the vehicle was picked up and they can not locate any information to show that the vehicle was in fact picked up. Equifax needs to report a {$0.00} balance. This false reporting of a collection/charteoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Equifax to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
According to all three major credit reporting agencies I noticed Jefferson Capital Systems , LLC reporting inaccurate account, witch claims I allegedly owe to this company. The Collector must make all required disclosures clearly and conspicuously in writing by sending this information you are violating Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce. As per section ( b ) Duties of furnishes of information upon notice of dispute. failure to prove validity must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I tried to close my account and transfer funds and balance to another bank, PNC would not allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: I.Q. DATA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I received a debt collection letter from I.Q. Data international in XXXX of XXXX. I submitted a debt validation letter that same month because I do not owe the stated debt. I sent my dispute letter certified mail and requested return receipt. The letter was delivered and I have a copy of the return receipt from the delivery. I did not receive a debt validation letter response from the collection agency within the 30 days time frame. It is a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to my verification letter. 

I disputed the collection on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX   XXXX  XXXX. XXXX XXXX XXXX have both removed the collection from my credit. As of today XX/XX/XXXX, XXXX has not removed it from my credit. The account shows as " Consumer disputes this account information ''. Please help me remove this from my credit report. XXXX is the only company that has refused to remove it from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had TWO bankruptcies filed in my name. One in XX/XX/XXXX the other XX/XX/XXXX. Ive been fighting to remove them for years. After hiring credit repairs companies and getting nowhere I spoke with an attorney in XXXX. He advised me to contact the BK court directly. Upon doing so and providing them with my SSN I was told there was no BK filed in their system. I told them there has to be some mistake because I have two on my credit report with case numbers from that specific BK court. The clerk asked me to provide my full name and thats when the BKs were found. She advised that I come to the court and get the files because although the name matched there was a different SSN of the BKs. I went down the very next day, got the documents showing my SSN was not on the BKs, submitted those documents to each of the three credit bureaus and within a week XXXX and XXXX removed them. Today is XX/XX/XXXX and once again Experian just sent me a dispute update stating the BKs remain because the reporting verified them to be accurate. Ive even taken these documents to my local police department and filed a report which Experian also has, yet they still refuse to remove the BKs. Im beyond frustrated and dont know what to do besides file a complaint against Experian.

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 2020-06-24 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: FL

Complaint narrative:
Experian continues to report inaccurate information without verifying proof of this account belonging to me. I have requested countless times the original signed contract for this creditor and they have still not been able to verify this account, yet they continue to report it. It has been deleted from both of the other credit reporting agencies and yet they refuse to remove or reinvestigate the item. I have sent them supporting documentation that shows the other bureaus are reporting my account accurately while there's is not. They have been combative and unwilling to help resolve my situation. I have not been provided any documentation of this proof and if they continue to unlawfully report this I will have no choice but to proceed with legal action. They also have refused to reinvestigate items that remain to be inaccurate based off discrepancies with the other bureaus.

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 2020-06-24 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: NC

Complaint narrative:
I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I used my Checking account debit card to purchase airline tickets through XXXX. The flight was scheduled for XX/XX/2020 ; flying from XXXX XXXX, XXXX to XXXX XXXX, Texas. As a result of the Corona Virus pandemic the scheduled airline ( XXXX ) announced that they were no longer flying Internationally in late XX/XX/2020. We immediately notified USAA of the circumstances and asked that USAA charge back XXXX for the {$650.00} USD that was charged to the debit card. USAA responded that we had not disputed the charge within 30 days of the transaction and had closed the dispute as a result. We contacted USAA on XX/XX/2020 and explained that the charge was for airline tickets and that it seemed appropriate to extend the time limit as tickets are often purchased in advance of travel. A USAA supervisor agreed and said that the dispute would be " re-opened '' and we would hear from USAA within 10 days. On XX/XX/2020 we called USAA again and asked for a status of the dispute. USAA said that nothing had been done on the dispute but the " dispute resolution team '' would contact us within 2 business days. On XX/XX/2020 we again contacted USAA as we had not been contacted and were told that this dispute had been closed on XX/XX/2020. We were told that " nothing could be done '' because it had been more that 120 days from the transaction. We explained that we had had every intention of using the tickets until the airline cancelled the flight in XX/XX/2020 when we first contacted USAA in this regard and had contacted USAA immediately once the cancellation was announced. 
We also contacted XXXX and asked for a refund. They stated that we had to wait until 14 days before the flight to verify that the flight was cancelled. We contacted XXXX 14 days before the scheduled flight and requested a refund per US Department of Transportation regulations for flights originating or terminating in the US. Their response was " we are not offering refunds for cancelled flights ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NV

Complaint narrative:
I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is incorrectly reporting that my last name is XXXX. My correct last name is 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 2020-06-24 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: NC

Complaint narrative:
I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2020-06-24 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: NC

Complaint narrative:
I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

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 2020-06-24 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: DC

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by 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 2020-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was appointed the guardian and conservator of my parents. I took the paperwork to Chase bank and XXXX XXXX XXXX XXXX, where my mother and father have accounts. Both refused to give me access to the funds they have in their account. Both said I need a financial power of attorney. Chase opened two conservator checking accounts but did not close the other accounts saying my name is not on them and I have not right to the funds in them. I went to XXXX  on XX/XX/XXXX to the XXXX branch and then I tried again at the XXXX location, on XX/XX/XXXX, I think I'm not sure of the date I went to the XXXX branch, except it was the following week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a XXXX XXXX card from U.S. Bank which I did not order or request from U.S.Bank. I do not, nor ever had any type of account with U.S. Bank and do not do any type of business with any U.S. Bank branch.. They have requested that I activate the card via their automated phone system at ( XXXX ). Upon contacting that number and going through their option list I was never given the option to talk to a person to inform them that I ( XXXX XXXX XXXX XXXX did NOT order or request any type of card from U.S. Bank. 
I am and will hold onto the card until such time as this complaint is resolved and upon that resolution will shred and destroy the card.

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 2020-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On approximately XXXX XXXX I had damaged currency that a friend wanted to exchange.He didnt have a bank account.I called my bank ( Pnc ) and asked if they would exchange it.They said if it was at least half a note and the seriel number was legible.They exchanged it ( {$280.00} ) On XX/XX/XXXX, the branch called and said would I pick it up ( dams aged money ) That they changed their mind.Requested my approval to debit my acct and I declined.I said it wasnt right weeks after to change it.They are no longer doing this after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: AL

Complaint narrative:
There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( Experian ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( Experian ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( Experian ) Fraudulent Account or Identity Theft Items : XXXX XXXX  - Open Date : XX/XX/XXXX Bal : {$1900.00} ( 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 2020-06-24 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: AmeriCollect
State: MO

Complaint narrative:
I have contacted Americollect, twice in 2019 and earlier this year about this situation. I explained to them that I had no debt with their business. And to send a copy of the agreement that I signed. I never done business with them before. They never produced the contract. So a few months go by they are still on my credit report. So I repeated the same phone call to them. Still no response. A year later it's been showing up on my report as customer dispute. The account was fraudulent and they refuse to get off of my credit reportting. I really hate their bulling tactics and unprofessional approach. I'm sure this is not the way things operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: DC

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by 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 2020-06-24 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: DC

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
Roughly two weeks ago a new collection was placed on my credit by Southwest Credit Systems. I was never notified of them purchasing the debt, I have no recollection of having an account with the original creditor they have listed and I was never given the opportunity to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24 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: NV

Complaint narrative:
I CAME HERE TO FILE A COMPLAINT AGAINST ALL 3 CREDIT BUREAUS ON BEHALF OF MYSELF BECAUSE THEY HAVE BEEN WILLFULLY NON COMPLIANT WITH THE FCRA LAWS IVE ENFORCED UPON THEM. I'VE KINDLY ASKED THEM FOR MONTHS NOW TO SEND ME FULL NECESSARY VERIFICATION FOR EACH ACCOUNT THEY HAVE SHOWING ON MY CREDIT REPORT. UNDER FCRA 809AB LAWS, THEY HAVE NOT FOLLOWED THOSE VERIFICATION GUIDELINES, UNDER 609A LAWS THEY HAVE NOT PROVIDED ANY ORIGINAL DOCUMENTATION WITH THESE CREDITORS THEY'VE LEFT ON MY REPORT, THESE ACCOUNTS ARENT EVEN MINE. THEY HAVE BEEN DAMAGING TO MY REPORT SO IVE ASKED THE BUREAUS TO DO THE APPROPRIATE DUE DILIGENCE WITH VERIFYING OR DELETING. AND THEY CHOSE NEITHER. SO UNDER THIS SURVEILLANCE, I EXPECT THEM TO NOW DO THE RIGHT THING IN DELETING THESE ACCOUNTS I HAVE LISTED ON THE ATTACHED DOCUMENTS.

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