vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-18 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX  # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a 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 2020-01-18 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-01-18 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2020-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a recording of the representative at XXXX that I spoke with in XXXX who handled the refinance and assured me that the new payment plan would not result in any derogatory marks on my credit report and that I had addressed the hardship just in time to prevent any derogatory marks on my credit report. When I asked for the recording ; the supervisor refused to provide me a copy. I will be filing with FTC and/or CFPB so that they can demand the copy. I XXXX XXXX XXXX in XXXX XXXX the end of XXXX ; which left me off work for most of XXXX. I now have a XXXX XXXX and XXXX XXXX  in my XXXX XXXX. XXXX  was fully aware of the hardship and agreed to work with me. This was sneaky and deceitful - borderline FRAUD! 


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 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Master Card continues to make an adjustment to my account that I have already paid. This charge of {$1500.00} was originally made onXX/XX/ for a catering event onXX/XX/. I paid this bill in full. The vendor recharged me on XX/XX/. I called Capital One to report this as a duplicate billing and was given credit. 
On XX/XX/, I was billed for this 3 more times, again I called and was given credit. 

Capital One continues to make an re-bill adjustment, claiming they have given me an extra credit. I called on XX/XX/ and thought this was finally handled and received a letter that Capital One had made a mistake and were correcting the issue. 
This letter is dated XX/XX/ from XXXX   RE:XXXX/Case # XXXX. 

On XX/XX/ my statement shows this charge again. I have called to get this removed but Capital One says that I still owe it. I do not and will not pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND TWO INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW BOTH ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE TWO ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I was notified by XXXX XXXX that Equifax refused to give them my credit report in order to complete the refinance process on my mortgage. I also can not access my credit file, stating my information doesn't match what is on file. I was told via a customer service call to send a fax with identifying information to have a fraud alert and freeze removed. I sent the request information and followed up with a call to Equifax XXXX XXXX, the customer service agent assured me that the fraud/freeze was cleared on XX/XX/2020. conf number XXXX. As of XX/XX/2020 neither myself or XXXX funding has not been able to access my credit file. I am un able to close the refinance loan due to this awful situation. I am beyond frustrated. the loan processes sent me an email confirming that Equifax is stating that I am the customer have declared the inquiry as potentially fraudulent or misused, therefore the credit report is not available for delivery. 
Please help me get this resolved. Time is of the essence thanking you in advance email to loan processor : XXXX XXXX XXXX To : XXXX XXXX   XX/XX/XXXX at XXXX PM HELLO Thank you for this information. I will be filing a complaint with the consumer financial protection bureau requiring this matter. They have reassured me twice that there is no issue with my file. You have here evidence that there is a problem with my file. 


Meanwhile, my file is standing a a standstills and we are unable to move forward on this refinance. Frustrating! 


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Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/2019, while checking in for a XXXX flight, I was provided with a link to apply for an American Express Delta Skymiles card. The offer was for XXXX miles provided I charged {$2000.00} to the card within the first three months. My on-line application was approved on the same date. My Delta Skymiles account shows that spending of {$1900.00} was credited on XX/XX/2019, and additional spending of {$500.00} credited on XX/XX/2019. On XX/XX/XXXX I was credited with {$30000.00} bonus miles for spending on the AMEX card, but never have been credited for the remaining XXXX miles as advertised in the offer. 

I contacted Delta Skymiles on XX/XX/2019, and was told by the representative that I would need to talk to AMEX. I contacted AMEX on XX/XX/2019, and was told by the representative that someone would investigate the credit to my account and get back to me. That has not happened. 

The bonus miles offer for the Skymiles credit card varies -- the offer I applied for is the one described by XXXX : https : XXXX American Express has engaged in a " bait and switch '' in not complying with terms as advertised. 

CFPB 's help in resolving this is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover loan company has been manipulated to report to XXXX XXXX Credit  report company. 
Every year Discover loan company reports wrong information to XXXX XXXX. 
Last year, delinquent date was XXXX, XXXX and I was told it will be removed in XXXX. 
I have called XXXX XXXX and they say that Discover loan company has reported *delinquent date wad XX/XX/XXXX so it will be removed in XXXX. 

Every year Discover loan company reports 1 year behind so it will be stayed in my credit report forever. 

" There are statutes of limitations for private student loans.Each state sets its own limits on how long a collector has to sue a debtor. Those limits range from three to 10 years. 
Pennsylvania is 4 years. 

I would like to report their manipulation and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have been using my USAA Visa ( was MasterCard ) for 30+ years with a very good credit rating. Have ALWAYS paid my monthly payments above and beyond what the minimum is. My maximum balance of XXXX was reduced to XXXX via a letter ( XX/XX/XXXX ) in the mail..no warning. The reasons stated why were totally invalid ( one being that my credit score was XXXX, which is still good, and too many inquiries ) I called a rep XX/XX/XXXX to place a complaint as to the real reason why my limit was reduced. I was suppose to get a call back from the escalations Mgr which didnt happen. In the meantime my card got declined 2.5 weeks later because I went over the {$3100.00} limit. I do have 3 other credit cards but this is the only one that I use for purchases. In fact, I have at least 4 automatic withdraws on this card every month to pay bills. After calling back ( XX/XX/XXXX ) and talking to the escalations Mgr, it was more of the same.. '' it's because of the reasons outlined in the letter ''. He finally agreed with me that it was unfair and would have someone else call me within 2 business days. Someone did call me on my home phone ( which is not the phone # I left for them to call me on ) on XX/XX/XXXX at XXXX XXXX CST only to be hung up on when I answered.There is absolutely no reason why this should have happened ( limit being drastically reduced ) and certainly in the way it happened ( ignorance and indifference ). The only thing that has changed for me in the past 7 months is that I retired So, it must be because I am unemployed ... but that doesn't mean that I don't have money in the bank! I understand as a retiree it is harder to get credit. For this reason and the fact that I have used this card as my primary credit card forever I want my balance limit to be at least 10K. And ... I want to know the reason why this happened to me. It very aggravating for this to happen to me after all these years of being an excellent customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: AZ

Complaint narrative:
This situation started about a year ago when I noticed that Experian was not showing my XXXX XXXX credit card reporting information and my credit score had dropped. I quickly notified Experian and submitted a Dispute along with my incorrect Birth Date. The birth date was corrected after numerous submissions of disputes. However, the reporting of my XXXX XXXX account was not. I spoke to a lady at Experian and she stated that I had to contact XXXX XXXX and have them submit a re-instatement form. I immediately did contact CardServices at XXXX XXXX and the representative stated that they always submit my reporting to all three agencies. I explained to her that Experian is not getting them and if they would please help me. She again stated that I had to contact Experian, but also gave me an address for XXXX XXXX Consumer Recovery Depart. ( see Attached ), I followed up by sending them a dispute on XX/XX/XXXX, for which I have not received an answer. I also send another dispute to Experian on XX/XX/XXXX. So now I am being bounced from Experian to XXXX XXXX  and no one will assume responsibility to fix the situation of just simply reporting my XXXX credit card payment history. I have no problem with XXXX or XXXX, they report accurately. 
On XX/XX/XXXX, I finally received a letter from Experian stating that my dispute under report # XXXX was completed and to my surprise, they stated that the reinvestigation results indicate that the " Item Disputed are NOT currently Displaying on your Personal Credit Report " and that I have to submit a dispute so they can send it to XX/XX/ .. I am being bounced again and really need your help and guidance.

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 2020-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
The original debt was with a timeshare we signed up with and then backed out of. We paid the amount of {$5300.00} with our Barclays Card in a down payment and we subsequently paid it immediately with our XXXX XXXX checking account for a product that would not work so we CANCELLED as called for in our agreement We called our bank to refuse the charges our bank refunded the balance ... ..When the charge then showed up on our credit card we spoke with Barclays and disputed the amount with the card as fraudulent because the product didnt work as promised. The travel company. Cant remember the name ... .refused to reverse the charges and BarClay then refused to credit the amount to our account and started collection procedures. The travel agent actually lives in XXXX so we cant reach him and we shouldnt have to.contact him This account got confused with amother travel account with the same name PRIVILEGES  which we paid for and used all the rewards from it. Because of the confusion of one working and one not working Barclays was under the impression we owed for the XXXX transaction as well. We refused again to pay so they again started collections. Please help us get this DELETED from our credit report. Im XXXX yrs old and dont NEED credit but am a XXXX and dont want this on my record cause its a debt I do not own or owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: FL

Complaint narrative:
I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.

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 2020-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
In XXXX 2019, in order to change the direct debit account from which a loan/line of credit at M & T Bank ( XXXX, VA branch ) is drawn, I submitted in person to the branch personnel a completed form providing personal information, and account information for both the M & T line of credit and the account at XXXX XXXX from which the withdrawals were to occur. In XXXX, when no withdrawals occurred, I asked M & T via phone if the paperwork had been processed and was informed the bank would " check on it. '' In XXXX, when nothing still had been effected, I was informed the forms were " lost. '' I asked for an explanation and received the following written explanation : " I have not been able to get a definitive answer as to where the ACH revocation and authorization were routed. Let me explain about how we were routing inter-office mail at the time you submitted your request. We used to physically seal everything within locked bags, at the end of business on the day, those bags are picked up and physically dropped at our internal processing center located in XXXX, from there, they are routed internally to the departments as listed on the envelopes. To my knowledge, at no point are the contents within the bags not handled by M & T employees, unless it is for out-bound for U.S. mail. Most likely, the documents were shredded, meaning I would not be able to get the exact location as a result. '' I remain concerned that the bank has no idea what happened to this personal information which included both personal and account information and it concerns me that the bank has no apparent controls to maintain and track sensitive records. I would assume the bank has an obligation to accurately maintain confidentiality and possession of confidential personal information and am extremely concerned that it lacks adequate controls and may easily lose and/or personal information as a result.

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