vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
To Whom It May Concern, I was on my XXXX XXXX account middle of XXXX. I had noticed there are some missed payments on here that I feel are 100 % inaccurate and that I pay on time. I have tried calling these companies the past few days but it's been long hold times as of XX/XX/2020. I am going to send you guys pictures of the late fee 's I am talking about. I want this all to be fixed under fair credit reporting act. I have always paid on time so I am unsure how they feel I had late fee 's if I ever was late I am sure was worked out. Any help here to get this accurate would be great. thank you for your time. Anybody has any questions please feel free to call me so we can resolve this.

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 2020-05-05 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: FL

Complaint narrative:
Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: FL

Complaint narrative:
Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report is fraud

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 2020-05-05 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:
On XX/XX/XXXX, I reviewed my credit report with the credit bureau Experian and discovered there are multiple fraudulent accounts on my credit report. I reviewed how to proceed and completed a hand written dispute letter, signed, a completed Identity Theft Affidavit and sent the letter via certified mail with a tracking number to Experian. This cost me approximately {$76.00} due to paying to review my credit reports, notaries and mailing costs. I placed a fraud alert on my credit file on XX/XX/XXXX with all the credit bureaus. Today is now, XX/XX/XXXX and to date, I have not received anything in the mail nor has the fraudulent account ( s ) on my Experian credit report been deleted. My rights with the Fair Credit Reporting Act, section 611 advise the credit bureau has 30 days from receipt to investigate and/or delete said fraudulent account. Experian has failed me as a consumer and is violating my rights under the FCRA.611 and I am now submitting a complaint to expedite this fraudulent account to be removed from my credit file immediately before filing a law suit against this credit bureau.

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 2020-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
Original tires with XXXX miles or 5 years warranty was driven for XXXX miles and GM Financial is charging me {$1100.00} for 4 new tires. 
Contract agreement was XXXX miles and tire must be faulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX resolution specialist with Bank of America blatantly lied in response to a cfpb complaint from me. 
I have attached screenshots with his initial claim that he was unable to contact me. 
I have also attached screenshots of multiple emails between the both of us during the past month. 
I do not believe it is acceptable for someone to report to the cfpb with blatant lies that can be easily disproved. 
I don't understand the lack of respect for the cfpb from Bank of America, but I am used to them breaking the law against me. 
I do think he should be held accountable for this. During the pandemic crisis with people 's lives and on the line, I believe it is unacceptable for XXXX to conduct himself this way. 
There's no way on Earth I find anything he says to be credible because of this egregious lie.

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 2020-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

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 2020-05-05 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: WA

Complaint narrative:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
We've contacted the company several times to update the reporting of 90 day late indication on all of the student loan accounts. We've discussed all of the history of the account and it was in forebearance at the time the account was marked 90 day late. The account should have been marked as deferred. Payment history should be reflected as such. Instead it is being marked as 90 days late. The way the loans are reported they are being noted as 6 individual accounts. So not only does the 90 day late negatively effect the credit report it is duplicated 6 times over.

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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
RE : Complaint Against Capital One Bank ( USA ) National Association Dear Ladies and Gentlemen : In XX/XX/XXXX, Capital One took over my XXXX  Credit Card servicing from XXXX XXXX, I went on line to set up account access. For some reason the set up process was not successful. After subsequent failed attempts to gain access to my account on line I called customer service for assistance with my user ID and password. It was difficult to understand the offshore customer service person 's accent but I explained to him that my cell phone was only able to make and receive phone calls because as a XXXX-year-old senior I am on a low fixed income t and don't have data capabilities thus, couldn't receive texts. In addition, I explained I can not afford internet at home and have to go to the library to gain internet access, so have limited time on line. 

The foreign customer service representative finally agreed to send an email with a link to the Capital One website where I'd be able to confirm my ID and reset my password. I tried that link several times and though I correctly provided all the required personal information, and all the information was absolutely correct, the link failed to grant access to my account. I ultimately learned that for some reason access to my account was blocked. I learned that on XX/XX/XXXX when I spoke with a Capital One Representative named XXXX who agreed to apply {$15.00} in equivalent reward points to my account. I was then transferred to an onshore representative who identified himself as XXXX, Fraud and Dispute Account Manager, IDXXXX. XXXX ' attitude is definitely not an asset to Capital One and though I provided all information to get help with my account, XXXX told me that to have my legitimately earned reward points applied to reduce my account balance I would have to submit a copy of the front and back of my driver 's license. That is where I drew the line and told XXXX to cancel my card immediately which he did. So apparently after correctly having identified myself I could cancel my card but XXXX reversed XXXX 's transfer of {$15.00} to my account and refused to transfer my reward points. I believe this is fraudulent and is truly shameful customer service. 

Capital One has sent me many letters and spent time and money trying to avoid awarding me the earned reward points. Yet, they have never explained why I was properly identified to cancel my account due to poor service but couldn't receive my earned reward points. The amount of reward points would now equate to approximately {$25.00} because of additional points earned before canceling my card. I wonder if Capital One is wrongfully depriving others in this same way. Thank you for your consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX  XXXX DEPTEDXXXX  XXXX $ XXXX XXXX XXXX XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00XXXX XXXX  XXXX {$16000.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$54.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00}

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 2020-05-05 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: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX {$5400.00} XXXX XXXX {$1900.00} XXXX XXXX {$860.00} XXXX XXXX DEPTEDXXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX {$4200.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$98.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1700.00} XXXX  XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$54.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00}

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 2020-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX around XXXX I went to the atm machine at US Bank and tried withdrawing money. I tried taking out XXXX $ and the machine said hardware malfunction and that my account would NOT reflect this transaction. Did not give me the money and my account is XXXX $ now. Called that branch and they said they are not responsible for it. This happened to 4 other people while I was there trying to resolve it. Called the bank the next day, and again they said everything is fine with the atm machine and could not help me. US Bank is taking unemployment money from people!!!

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 2020-05-05 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: CA

Complaint narrative:
I was made aware of some suspicious accounts and inquiries that are on my credit report today XX/XX/2020 because I was turned down from getting an auto loan with XXXX XXXX. I found several accounts and inquiries on my credit report that do not belong to me ; I did not open any of the accounts listed on this report nor did I allow anyone to open these accounts in my name. I am not affiliated to any of these companies and I did not benefit anything from these accounts such as money, services, goods or anything else and I did not take part in any purchases or payments made towards these accounts. I have filed a police report and a complaint with the CFPB in regards to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
Hi my XXXX XXXX XXXX XXXX with all my name XXXX last name on my passport and SOCIAL SECURITY, some people have the las name and name but with no my XXXX And some collection report to my Credit report so please I need you us held with this please on soon posible

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 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Credit card fraud

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 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
This complaint is based on violations of the FDCPA and FCRA by this debt collector, American Adjustment Bureau ( AAB ). 

XXXX XXXX XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

XXXX XXXX XX/XX/XXXX, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ At no time did this debt collector respond to my letter or validate this debt. 

XXXX XXXX XX/XX/XXXX, I disputed the account with the credit bureaus. 

XXXX Over the next 30-days, I received the results of the re-investigations from the credit bureaus. This debt collector falsely verified the account on my credit reports while they never validated the debt. 

___Based on the aforementioned facts, AAB engaged in following violations of the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ). 

___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit bureaus as they did not have validation of debt to do so. Here is case law on this : A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditor ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: AR

Complaint narrative:
was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to transfer XXXX XXXX  dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.

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 2020-05-05 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: TN

Complaint narrative:
There are fraudulent accounts reporting on my credit 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