vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 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: PA

Complaint narrative:
Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX Equifax mortgage XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. Equifax should pay major restitution for ruining lives. Please, please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
XXXX claimed I owed a debt which I do not owe them. They reversed an old fraud charge to my account when I wanted to close my account last year. I recently opened a cfpb complaint because they were illegally denying me access to my financial statements. They have not responded to my complaint. They did, however, use my contact information from my complaint to update the collection of my account they falsely accused me of owing. They took my personal contact information from my CFPB complaint and are using it to harass me for a debt I do not owe. I'm not surprised, considering they did not protect me from fraud on my account and denied me access to statements of the account. They have no morals or ethics, whatsoever.

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 2019-08-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Usaa all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting the XXXX payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX should pay major restitution for ruining lives. Please, please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: PA

Complaint narrative:
Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the 10 payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX  should pay major restitution for ruining lives. Please, please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 around approximately XXXX at the Bank of America branch in XXXX , I was refused a deposit of a check from a company. This check was a legitimate check and this branch failed at allowing me to deposit my funds into my bank account. The check had my dads name with the phrase and/or preceding my name. The teller went and got the manager, the woman manager then refused to deposit the check then preceded to be extremely rude to me for no reason. She was like I need this person here also with a valid Drivers license, my dad lives 450 miles away from me and my name was still on this check. This should be investigated and I want her held accountable.

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 2019-08-31 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: GA

Complaint narrative:
I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. Equifax has XXXX XXXX XXXX reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS, ACCOUNT NO. XXXX A COLLECTOR FOR XXXX XXXX XXXX XXXX IS DESPITE MORE THAN 10 INVESTIGATIONS THROUGH XXXX  HAS EITHER VERIFIED OR CERTIFIED THAT THE INFORMATION IS CORRECT. 
THE ACCOUNT HAS BEEN RE-AGED, A SERIOUS INFRACTION OF THE FCRA FOR EXPERIAN AS WELL AS THE CREDITOR.THE DOFD IS DURING THE MONTH OF XX/XX/XXXX AND AS SUCH SHOULD HAVE BEEN REMOVED FROM THE CREDIT REPORT BY XXXX. 
XXXX HAS NOT TAKEN THE RE-AGEING CLAIM SERIOUSLY SINCE THEIR CREDITOR CUSTOMER AWA COULD NOT POSSIBLY PROVIDE FACTUAL UNFORGED INFORMATION TO SUPPORT THE DOFD CLAIMED OF XX/XX/XXXX. 
BOTH THE BUREAU AND THE CREDITOR TODAY STAND TOGETHER IN SERIOUS, FLAGRANT DISREGARD AND VIOLATION OF THE FCRA. 
I HAVE PROVIDED THE ARREST RECORD, FILING DATE OF THE CRIME FOR WHICH BAIL WAS PROVIDED BY XXXX XXXX XXXX, THE ORIGINAL CREDITOR, OVER 7 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was told over the phone by a customer service representative that since I was still in school that my deferment/forbearance was delayed an additional 6 months. I then received 3 consecutive months of delinquent account records ( XX/XX/XXXX-XX/XX/XXXX ) on my credit score from 4 different accounts from the student loan lender Dept Of Ed/navient. I have attempted to contact them about the situation and they disregarded my concern in XXXX/XXXX. I then attempted to file a dispute through the credit bureaus in XX/XX/XXXX. 

The student loan company Navient is known to do this for countless of its customers. The customer service reps are not professional and will tell you they did something for you when they did not. I am asking that this get removed from my score since it is effecting my ability to find a place to live while I am still a student. 

I will make payments once I am out of college immediately. I ask that they remove these records as it is their mistake and completely unfair since I received the wrong information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I asked to remove an acct that was included in bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. The creditors had a heloc of {$80000.00} at time of filing. XXXX has Bank of America reporting a closed account ( closed XX/XX/XXXX ) which was included in bankruptcy in XX/XX/XXXX discharged in XX/XX/XXXX. It shows a balance of XXXX. Should be XXXX. Shows it as charged off and should say included in bankruptcy. Ultimately it should not be reporting. Over 10years since filed.

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 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company XXXX XXXX XXXX XXXX ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovis
State: MO

Complaint narrative:
The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company ( XXXX XXXX XXXX  ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A CAPITAL ONE ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX  BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: CA

Complaint narrative:
THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT XXXX DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, 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 2019-08-31 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:
THIS COMPLAINT IS REGARDING ACCOUNT NO. 
XXXX, A XXXX XXXX ACCOUNT CLOSED BY THE GRANTOR IN XX/XX/XXXX. 
DEAR MR XXXX XXXX, CEO I HAVE SOME UNFORTUNATE NEWS REGARDING YOUR COMPANY : YOU HAVE EMPLOYED AN XXXX WHO ANSWERED THE LAST XX/XX/XXXX CFPB COMPLAINT WITH 31 PAGES OF  XXXX.YOUR EMPLOYEE IS THE ONLY ONE WINNING, DRAWING A SALARY FROM YOU FOR INEPT, CONFUSED RESPONSES TO THE CFPB. 
THESE ARE THE SIMPLE FACTS : I HAD ABOUT 500 DOLLARS IN CHARGES MADE BY SOMEONE ELSE WHO WRONGFULLY GOT A HOLD OF MY PRIVATE ACCOUNT INFORMATION AND CREATED A FRAUD AGAINST YOU AND ME.YOU FORGAVE THE DEBT, WROTE IT OFF OR WHATEVER ... ... ... ..YET YOU ARE HOLDING ME RESPONSIBLE FOR 30,60,90,120 DAY LATES ON AN ACCOUNT YOU PAID OR FORGAVE OR WROTE OFF DUE TO THE FRAUD. 
THIS MAKES NO SENSE WHATSOEVER. 
I HAVE 50 YEARS OF PERFECT CREDIT OTHER THAN THIS ACCOUNT.I HAVE XXXX AND AM BUSY FIGHTING IT.IM SORRY YOU, MR XXXX HAVE HIRED A CONFUSED XXXX BUT THE BUCK STOPS WITH YOU. 
PLEASE TAKE CARE OF THIS, I HAVE ATTACHED MY FTC IDENTITY THEFT REPORT REGARDING THIS ACCOUNT. 
SINCERELY, 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 2019-08-31 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: WA

Complaint narrative:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Phone number : XXXX. 

I went to the FTC website and linked to Experian. I ran my credit report. There is a name that does not belong to me : XXXX XXXX, name ID # XXXX. There are also two addresses that do not belong to me : XXXX XXXX XXXX XXXX, WA XXXX Address ID # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX Address ID # XXXX single family I have a XXXX who has stated to me multiple times that he has taken my name, " XXXX XXXX. '' He has threatened to XXXX me to get the inheritance that I am supposed to get from my father. I hope someone can help me find out about above information. Thank you so very much.

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 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Multiple calls during the day from Credit Corp solutions inc saying they were collecting a debt. I do not answer the call anymore. I have never received anything Stating I owed a debt. I was notified by attorney advertisement that Credit Corp Solutions inc has a lawsuit against me through small claims court. I have not received anything from the courts. I also do not see this company on my credit report as a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: Byrider Franchising, LLC
State: IN

Complaint narrative:
I am getting the run around, from my vehicle finance company and the 3 credit  bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with XXXX  ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am getting the run around, from my vehicle finance company and the 3 credit  bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with Transunion ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends

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