vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a dispute last year in XXXX. XX/XX/XXXX to be exact and I haven't received anything back from the bureaus yet. According to law you have 30 days to complete an investigation and it's been well over 30 days and the incorrect items on my credit report still remain. They should be removed immediately. Am I being taken advantage of? I feel like I am. Again, section 611 a states that a failure to investigate those incorrect items within 30 days is a reason to remove them so with that being said I demand you the accounts disputed be deleted immediately or I will be filing litigation due to the stress you've caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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:
There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
Company Cadillac Accounts Receivable text me concerning an alleged debt. I do not know are ever done business with the company. I have attached a letter for the company to validate the alleged debt within 30 days from XX/XX/2021 per Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Starting XX/XX/XXXX, I began working on the Wells Fargo credit card account and how it is reporting to the 3 credit bureaus. The reporting is incomplete, inconsistent, and not verified. Every month hence, I reached out to the credit bureaus and information always come back verified with no changes to the information and no proof of investigation was provided to me. XX/XX/XXXX I contacted Wells Fargo Executive Office in regards to this matter. Wells Fargo stalled and XX/XX/XXXX, I got a response from XXXX XXXX saying they fixed the account and the way it was reporting inaccurate and incomplete and inconsistent and to allow 30 - 60 days for it to reflect on my credit report. XX/XX/XXXX I pulled my credit report and nothing was fixed for this account. Please see attached to see how each bureau is reporting the 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 2021-01-18 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: OH

Complaint narrative:
This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. Trans Union, XXXX, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Account Name : Capital One Bank USA Account Name : XXXX XXXX XXXX. 
Account Name : XXXX/XXXX All of these accounts are tracked to XXXX geogria and I reside in Ohio this is inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, i made a purchase of XXXX dollars on my Home Depot credit card, on XX/XX/XXXX I paid off the complete balance of the card to to a ballance of XXXX. On XX/XX/XXXX I received a bill for XXXX plus XXXX dollars in penalties and interest. When I contacted them I was told my XX/XX/XXXX purchase wasnt added to my balance on XX/XX/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 monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I had a late auto pay payment in 2017 on my Bank of America credit card that I rectified and paid out of my Bank of America checking account immediately when I noticed the automatic payment did not go through. This incident is still showing up on my credit report and negatively affecting it. This late payment was made back in 2017.

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 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX took over a 2 old XXXX XXXX account. CRA continues to say that the information is correct and it is not. The accounts were charged off in XXXX ; however, the account history doesnt show any payments from 7 years ago. It starts in XXXX This loan was opened in XXXX. 

I have requested that the CRA not use e-Oscar system and provide last date of delinquency. This account should show all payments from XXXX until XXXX. The loans were both opened in XXXX. My grandmother is also a borrower and co-borrower and her name is XXXX XXXX. The account needs to be updated to reflect the payments. If not, it needs to be removed immediately.

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 2021-01-18 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent letter after letter asking them to verify how they are reporting things on my report. They keep sending letters stating that they verified them and they are accurate. I want something in writing about where they got this information and who that meaning name of person that verified this. By law Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry. 
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see no changes for what I filed last monyh, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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
Consumer complaint received 2021-01-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, Transunion, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

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 2021-01-18 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: OH

Complaint narrative:
This is the 3rd time I have requested these unverified items on my credit file that I do not recognize. XXXX XXXX, Equifax, XXXX I have requested legal documents from the creditor 's documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
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 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
From XXXX to XXXX I was working at the IRS in XXXX, GA and I applied for a XXXX XXXX Credit Card which included the XXXX XXXX, which is a program that in which if you lose your job for reasons outside of your own negligence they XXXX XXXX XXXX would basically wipe out or cancel out said debt. In XXXX we were furloughed from the IRS without a return date to go back. I contacted the creditor ( XXXX XXXX ) and told them my employment situation and they requested I send in documentation regarding the IRS Furlough, my GA Unemployment Documentation as well as pay check stubs from 3-6 months prior to the Furlough taking effect. I submitted this documentation and XXXX XXXX never clarified or processed the XXXX XXXX Debt Cancellation. For years I have been disputing this error as well as submitting the same documentations I originally submitted to all 3 Credit Bureaus as well as the collection agency Jefferson Capital and to no avail they still have not removed said debt. But have managed to keep selling this debt to various collection agencies with the most recent being Jefferson Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On several occasions I have closed online savings accounts with Capital One Bank and a defunct bank in Illinois by transferring my large balances to my brick and mortar account with one transaction - in each instance to enable me to transfer the same sum to a new higher interest banking account. 

However, I wasn't allowed to transfer these same amounts to the new bank with one transaction due to your inherent rules. However this same amount of money could be deposited in the new account by writing a check and them manually depositing same. 

You need to change this inconsistent rule and allow unlimited amount internet transfers from " brick and mortar '' accounts to internet savings accounts. Please act upon my request, for as it now stands this archaic rule costs the consumer, the internet bank and both state and federal governments money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I was given a subprime auto loan by Santander with a 24 % interest rate. I am now paying more towards the principal than I am for the car! Santander uses an internal score to approve customers. I did not know about this score and it is misleading to consumers because you are left with thinking that Santander is your only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: KS

Complaint narrative:
On XX/XX/20 I canceled cable TV and internet service with XXXX XXXX, a.k.a. XXXX. My account was paid in full and I returned my equipment to XXXX store # XXXX on XX/XX/20. In mid XXXX, I received a bill in the mail from Spectrum for a {$59.00} equipment fee. I called XXXX customer service and advised I returned the equipment via XXXX on XX/XX/20, it shows delivered on XX/XX/20 by tracking number. I provided XXXX the tracking number. On XX/XX/20, I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX, dated XX/XX/20, claiming I owe a {$59.00} equipment fee from XXXX. This is a false claim and I do not owe any debt to XXXX as I returned equipment.

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 2021-01-18 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: EQUIFAX, INC.
State: WA

Complaint narrative:
" XXXX XXXX XXXX '' correctly listed as my current employer. However, my occupation is XXXX, not teacher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XXXX XXXX, I sent money to a person for a product that I was scammed for and never received the item. I was sent an invalid/fake tracking number but CashApp declined my claim and my bank is saying that I used a P2P merchant service even though I claimed item not received

Company response to consumer: Closed with explanation