vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: CA

Complaint narrative:
I use to be an authorized user on a credit card of someone else. They took me off already because they planned on utilizing all the credit. So they took me off and used up all the credit and now that utilization is coming up on my credit report and affecting my credit score. 

The balance on the credit card is now {$XXXX} on a XXXX Double Dash. This is not my credit card. That's the balance as of XX/XX/2020. I think they withdrew it in 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 2020-04-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Transunion Credit reporting agency asking them to please validate the XXXX  XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. 

On XXXX XXXX I was sent an updated Transunion Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. 

On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. 

I have yet to be provided with that information and the debts still remains 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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has been reporting XXXX collection accounts from XX/XX/2017intentionally damaging my credit history with reporting incorrect information of accounts that does not belong to me, not only that they refuse to investigate the accounts under fair credit reporting act causing me financial hardship due to their negligence. 
XXXX XXXX XXXX XXXX # XXXX FOR {$270.00} XXXX XXXX XXXX XXXX # XXXX FOR {$860.00} XXXX XXXX XXXX XXXX # XXXX FOR {$500.00} XXXX XXXX XXXX XXXX  XXXX for {$1200.00}

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 2020-04-13 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: TX

Complaint narrative:
Experian has been reporting a business account that was never my responsibility. Experian has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

XXXX XXXX never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither Experian nor XXXX XXXX have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.

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 2020-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX  has been reporting a business account that was never my responsibility. XXXX  has not been able to delete the account, after more than a year complaining several times, even when the account was paid and closed. 

Capital One never provided any document bearing my signature, which was binding in any way regarding this paid credit card. 

The investigation has not been ever performed, and neither XXXX  nor Capital One have provided any proof with my bearing signature for the account to be in my credit file after more than 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: IL

Complaint narrative:
Federal Loan Servicing is still reporting on my credit report and should have been removed after I paid it. It has been removed from my XXXX  and XXXX credit report, but it is still reporting on my XXXX report. I have contacted XXXX in XX/XX/2019and XX/XX/2019 and it is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Equifax Credit reporting agency asking them to please validate the XXXX   XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. On XXXX XXXX I was sent an updated Equifax Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. I have yet to be provided with that information and the debts still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: PA

Complaint narrative:
All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate  on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2020-04-13 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: TX

Complaint narrative:
On XX/XX/2020 i sent a certified letter to Transunion stating that I did not recognize the inquiries that was listed on my Credit report and they should be removed immediately. 

One month later I received a letter stating my written authorization may not be required to obtain copies of my credit report in which i did not authorize. Again on XX/XX/2020 I sent another certified letter demanding that this information be removed that this was in violation of the Fair Credit reporting act. 

On XXXX XXXX i was then sent another letter of Explanation of the inquiries on my Credit Report. Still the information remains on my credit report in which i did not authorize.

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 2020-04-13 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: PA

Complaint narrative:
All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online BK OF AMER Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2020-04-13 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: GA

Complaint narrative:
I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove 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 2020-04-13 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: GA

Complaint narrative:
I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove 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 2020-04-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TX

Complaint narrative:
I recently contacted Experian about an account that is supposed to be removed from my credit report, when I called and spoke to a dispute XXXX  I informed them about the account and told them that a had received a notice that the original credit Co sent Experian a request to remove the account and I had upload the proof to my dispute online. The person then told me that when they contacted the company they certified to Experian that the information was correct and the account would remain unchanged. I then ask for the proof that they were given to show that this account was mine and was then informed that they don't do that and it wasn't part of their job to provide evidence ... I ask the person so what are you going by that this account is actually mine and was told that's what the collection agency told them I owed them money. I was then hung up on after waiting for 45 mins on hold to speak with someone else. This is the 3rd time I have disputed this account and it will be the last before taking further legal action. I will upload the documents for you to see 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 non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am actually an XXXX XXXX on the front lines and risking my lie to save others- if that happens to matter at all! The customer service line at AM EX Bluebird is simply not answering calls - it is all over the Internet! I have been on hold the last 3 days for 6-8 hours and then call drops - this is happening even at XXXX!! To everyone!! Something must be done!! PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CA

Complaint narrative:
Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted and XXXX XXXX, # XXXX is not appearing on XXXX, though XXXX  has the wrong number which should be # XXXX, refer to XXXX dispute letter. I have placed an asterisks near these accounts. I have submitted multiple dispute letters outlining the above on XXXX, XXXX, XXXX with no response to date. This is three 30 day violations in addition to the other FCRA violations. 

No mortgage only appears on just XXXX, so XXXX  and TransUnion are in direct violation for not deleting this account in addition to illegally ignoring the attached ID THEFT POLICE REPORT sent to them on XXXX. That dispute letter was sent certified mail, refer to attached postal certified mail receipt. 

Please refer to the attached XXXX  report, 2nd attached XXXX  document, indicating the sentence, The disputed item is not currently reporting on the XXXX credit file. Public Record : Bankruptcy : XXXX. Any public record item would appear on XXXX, TransUnion and XXXX, XXXX  did a proper investigation and determined that this Bankruptcy XXXX was not appearing in their database. 
XXXX stated that a second Bankruptcy, # XXXX is not appearing in their database, but XXXX  and TransUnion continue violating the FCRA guidelines by continuing to ignore this evidence and the ID THEFT POLICE report. 
There can not be a discrepancy on information between the credit bureaus. Please delete immediately to avoid litigation.

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 2020-04-13 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: DISCOVER BANK
State: IL

Complaint narrative:
It states on my credit report that the account is closed but it is still reporting negative payments. It states that there are XXXX charge offs on this account! XXXX is still reporting negative inaccurate information. The account is closed so how is that fair they get to keep reporting negative charge offs? It is still reporting as of XX/XX/2020. Its written off and still reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, We were the victims of fraud through Citibank/XXXX. 
Timeline : -Listed couch for sale late XXXX XXXX for {$280.00}. 
-We get an offer from a male that sends us a cashier 's check for {$1900.00} to pay us for the couch & movers that are coming to pick it up -Check deposited XX/XX/XXXX ( it was a fraudulent check ). 
-It took Citibank over a week to report this to us and we received a letter on XX/XX/XXXX. We have never bounced a check and didn't realize it took several days for us to get notified! Note that we have been Citibank customers for over 30 years. 
-Assuming check had cleared as funds were in our account on XX/XX/XXXX, and trusting XXXX since Citibank backs/has a partnership with them, we made a RELATED XXXX payment for {$1700.00} on XX/XX/XXXX. This was for what the scammers said was for movers minus couch- that they ended up not coming to pick up on XX/XX/XXXX ( the day before the check bounced, but 3 days before we were notified AT ALL by a letter that arrived in the mail ). 
-So, we LOST {$1700.00} as a result of this SCAM by a service pushed by Citibank as a partner plus the {$12.00} bounced check fee. 
-We reached out to Citibank twice with the information and twice they denied our claim saying we had authorized the transaction ( yes, we did but assumed funds posted properly in our CITIBANK account ) so they would NOT help us at all. Again, this is after we provided Citibank all the information we had and used a service pushed by our bank that we were loyal to for over three decades. So, we thought it was safely backed for customer usage in the event of any fraudulent activities. 
-The last denial arrived via mail on XXXX XXXX XXXX 
We provided details of the fraudulent check, the UPS tracking information in which the cashier 's check came, as well as another XXXX XXXX account the scammers gave us when they thought we'd send them the balance for the couch they never came to pick up. We also provided a cell phone number used that was still active at the time. They refused to investigate at all and/or help us track him down to try to recover our money.

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