vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: DISCOVER BANK
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE TRIED NUMEROUS TIMES TO HAVE THE NEGATIVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. NOW I HAVE SENT POLICE REPORT AND MY IDENTITY THEFT REPORT TO THE BUREAUS AND I HAVE ALOS SENT THEM THE LAW THAT AFTER 7 YEARS THE NEGATIVE ACCOUNTS MUST BE REMOVED FROM REPORTING. THE CHARGES ARE FRAUDULENT, THE ACCOUNTS WERE OPENED WITH OUT MY KNOWLEDGE, PLEASE REMOVE THE NEGATIVE ITEMS FROM MY CREIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AC AutoPay LLC, Denver, CO Branch
State: IA

Complaint narrative:
In XX/XX/XXXX, I voluntarily turned over my XXXX XXXX XXXX to the creditor, AC Autopay due to my inability to continue payments. I was notified the vehicle was sold at auction and that the balance I still owed was {$1600.00}. I received phone calls from AC Autopay to request payment, which I was unable to do. I was then informed that the debt had been sold to a collection agency, identified as XXXX XXXX XXXX. I then started to receive phone calls from the collection agency assigned to this debt, XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I negotiated a lower amount to charge off this debt and issued a check for {$1300.00} to XXXX XXXX XXXX. I did not hear any more from this debt collection agency and noticed that the debt had dropped off my credit report. 

On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX claiming that I owed {$1600.00} for a debt originally owned by AC Autopay. I spoke to a man named XXXX on the phone and assured him that I had paid this debt. He requested a copy of the check, which I emailed to him on XX/XX/XXXX. Again, I did not hear anything further about this until XX/XX/XXXX when I was served court papers from XXXX XXXX representing XXXX XXXX XXXX stating that they were suing me in small claims court for {$1600.00} for their client AC Autopay. I responded to this with a denial of claim and court is now scheduled for XX/XX/XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: OH

Complaint narrative:
Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX  # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( 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 2020-10-13 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLSFARGO BANK DISCRIMINATED ON MY CREDIT CARD AND CHEEK ING, ACCOUNTS. I'VE ALREADY REPORTED THIS, TO THIS. 
COMPANY NOW THEY ARE MAKING UP FALSE, DISPUTED REPORTS AND FRAUDULENT INFORMATION UNDER MY ACCOUNT SENDING TO ME, WHICH I DIDN'T STATE TO WELLSFARGO FRAUDULENT AND DISPUTE DEPARTMENT. THEY ARE TRYING TO PUT WORDS IN MY MOUTH, I DIDN'T SAY OR SPEAK. THIS IS WRONG AND INJUSTICE I HAVE THE DOUCEMENTATION THEY SENT TO ME, ALL THIS STARTED AROUND XX/XX/XXXX, TO PRESENT. I '' VE TRYED TALKING WITH THESE PEOPLE 'S WHO WORK FOR WELLSFARGO. ON XX/XX/XXXX, WELLSFARGO COMUSTER SERVICES REPORTSENTITIES HUNG UP THE PHONE, ON ME ABOUT, 10. TIMES EVERY TIME I CALL BACK THEY ASK ME THE SAME QUESTION AND I GIVE THEM THE RIGHT ANSWER THEY PUT ME ON, HOLD AND HANG UP THE PHONE AND OTHER TIMES THEY FIND A REASON TO HANG UP ON ME, AT THIS TIME I'AM VERY UP SET FEELING SAD AND HURT BECAUSE I'VE REALLY TRYED TO TALK TO WELLSFARGO FOR ALMOST TWO YEARS I'AM RESOLVED WHAT ELSE TO SAY OR DO PLEASE HELP ME CONSUMER FINANCE OF THE UNITED STATES, GOVERNMENT I REALLY NEED A SECOND VOICE, I SAY AGAIN PLEASE HELP ME C. F. P .B . .. THIS IS MY SECOND TIME REPORTING THIS TO THE, C .F .P .B. THE FIRST TIME WAS BY PHONE, THIS SAME MONTH. BUT I KNOW THESE THINGS TAKES TIME, I'M ONLY GIVING A UP DATE OF WHAT'S STILL HAPPENING TO THIS DAY,, XX/XX/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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Re : require to reflect the maximum possible level of accuracy I'm copying and pasted the letter I sent to Experian and To Whom It May Concern, According to the Fair Credit Reporting Act, 15 USC section 1681i, I request that you add the following credit references to my credit report : Contract # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I appreciate your attention to this matter, as the addition of these credit references will more accurately portray my credit history. Please inform me within the statutory 30-day time period from your receipt of the purpose of this credit repair letter of your compliance with the provisions described in 15 USC 1681e, which require that all information in a consumers credit report must reflect the maximum possible level of accuracy. 
After 45 days I have not received any positive updates on my report. 
I have attached copy of my credit report how does it look like. No accounts, no score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
My monthly bill is due on the XXXX of each month with a 10 day grace period. For the last 10 months I have received harassing phone calls that are placed within the 10 day grace period asking me to pay my bill. Last week on XX/XX/XXXX and XX/XX/XXXX I received two harassing calls from Kia Motors Finance Company. All the while the payment was made on the XXXX and received on the XXXX. I asked them to stop harassing me and told them I will file a complaint. In retaliation my credit score dropped 68 points. 
Prior to this situation Kia Motors during the fall of XXXX Finance Company took {$1400.00} out of my account that was not authorized and I had to have XXXX  XXXX XXXX return {$710.00} or so back to my account. This caused financial hardship for 6 months.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
Toyota Financial Services has NOT been reporting my payments to any of the three credit bureaus for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020! I have bank statements and Toyota account statements confirming payments. But if you look at my XXXX, XXXX  and XXXX reports they all show a BLANK for these five months?? For the past few months I've gotten a Credit Help Agency to dispute the false report. ONLY XX/XX/2020 and XX/XX/2020 have been changed and properly updated on my credit reports. PLEASE correct my 2020 payment history on my credit report with XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NC

Complaint narrative:
THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This debt i no longer owe and was from 2015. This was settled in a vehicle accident lawsuit that my ATTORNEY was responsible for paying. I have contacted my ATTORNEY multiple times regarding this bill and he says " he will take care of it ''. I have no knowledge of any debt owed to this company and as stated all debts regarding this accident have been paid. 
This attorneys office has been telling me for 5 years now the " debt has been taken care of when apparently it has not. This has been filed on my credit report before and i was able to fight to get it off with the assumption the attorney had taken care of this like he was paid and settled to do. He made way more money than i and i was rear ended and side swipped and still suffer from back pain.. 
This attorney recieved his money, knew about all my bills and chose not to pay this pay on his own apparently. He paid the bills and gave me my share after all expenses were paid. I had no knowledge of what or what wasn't paid he was in full control over this. I also had XXXX  bills, ect which were all paid to my knowledge.

All medical expenses, bills, ect were to be paid by attorneys prior to settlement which went to mediation and was settled. Any and all medical bills not paid are the RESPONSIBILITY of XXXX XXXXXXXX XXXX XXXX  and or the attorney who represented me which was XXXX XXXX. 
I am not responsible for this bill. 
Attorney information has been attached in attachments- please see. 
XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my 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 2020-10-13 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: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person

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 2020-10-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

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 2020-10-13 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: NC

Complaint narrative:
THE DISPUTED INQUIRIES DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE INQUIRIES ARE DUE FOR REMOVAL OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- COLLECTION ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my 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