vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving credit

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 2020-05-25 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: TX

Complaint narrative:
XXXX XXXX reported a balance that is incorrect. A charged posted to my account from a card that was closed due to fraud and disputed. I spoke to several managers stating that this is being handled by the security team and would not report the amount affected by dispute to the credit bureau. I explained I was in the process of closing in a house and the last representative I spoke with assured me the credit limit would display in dispute and would report the amount. This card was closed and the merchance XXXX was disputed and new charges should not have been posted and affecting a negative impact on my credit limit or credit report. I called 4x about this issue and keep being told the security team will handle it and there was a note stating that I would be receiving credit

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 2020-05-25 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:
The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX  XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120-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 2020-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: FL

Complaint narrative:
I was told to do a consumer report so that is what I am doing I am a XXXX woman I get my XXXX on a card call direct Express well my money goes in every month on the 3rd I was very sick this month I checked on the XXXX I got to put my card number and it would not take the pin number it said that it had issued me a new card I did not understand why so I asked my son to bring me my tablet and I checked it everything look just fine my money was in there nothing was being pulled out so maybe I just figured they were just sending new cards but I could not get a hold of them with the number on the back of my card I tried and it rang and it rang until it hung up and then again I tried on the XXXX I put my number in it refused to take my card number or my pin I had to do it through my social security I did it told me again that it had issued me a new card but they gave me a different address which I did not understand so I try to reach them again and stole it just rang rang and then it hung up on me and finally my son brought the mail or Friday right before it which I'm not exactly sure what day that was and there was a little card that asked me if I had changed my address that little card have a different phone number I called them on that number and I got through to them they said that they will send me some documents for me to fill out and fax to a number they gave me it took almost four days for them to do so but I did fill it out and send it back buy fax.they also said that I had to make a police report because this was identity theft because the person that caused had all my information and that's how they were able to change the address so I did what does that but the last person I spoke with said that this was the last step. The full amount that they have taken out of my account is XXXX and this is the card that is given to all Alder people that are on XXXX students that are in college that have probably experienced the same

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25 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: Nelnet, Inc.
State: MA

Complaint narrative:
I see 90 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 2020-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX ... original Creditor XXXX XXXX This Debt is 10 years old .. it just recently showed up on my XXXX XXXX account i have disputed it because its to old to show up now ..The credit bureau will not remove it even after i proved this account was opened in XXXX and its past the The Ohio statute of limitations & Fair credit reporting agency ..Even if i owe the bill They can not legally report it after 7.5 years is up They waited almost 10 years to report it and is also charging Interest while showing in my Transunion report showing a open balance and it keeps going up ... ..currently The collection shows XXXX showing opened XXXX .. This account was opened.. XX/XX/XXXX Last Payment made XXXX Because they would not honor There warranty for furniture I told them to pick up There Merchandise They refused.. I want this old account taken off my credit report ..IT 's to old Legally to be reported after 7.5 years and its been over that from the last payment ..when account first went to collection ..180 days of the date consumer first falls behind on a payment ... fair credit reporting act.. facts This company waited till XXXX to 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 2020-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My private loans that I had to take out in order to finance going to school at XXXX University were first serviced through XXXX XXXX, and then were transferred to Heartland ECSI. One of my four loans is being paid regularly by myself to XXXX ( a collections agency ). This was not an issue when I had XXXX XXXX. 

For some reason with Heartland ECSI they are taking funds that I've allocated to the accounts ( B, C, D ) that are on my monthly loan statements and giving them to XXXX ( account A ), promoting past principal and interest due in next month 's statement. 

I've tried at least 4 times to have them fix this, and they do so - but it just happens again next statement. Their response every time is that they have things automated, and that a human does not open the paper statement/my check. 

However it is to be resolved, no past due principal/interest should be paid on my behalf as this is a processing issue with the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: NY

Complaint narrative:
The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: NY

Complaint narrative:
The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XXXXXX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX didn't remove my public records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I sent dispute letters to the collection/debt collector and XXXX, XXXX, and XXXX over 60 days ago and still no response or have yet to verify these accounts. The credit bureaus are reporting false information and are compromising my credibility. I would like these accounts to be removed and deleted immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX  didn't remove my public records

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 2020-05-25 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXX XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations lexis Nexis didn't remove my public records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: IL

Complaint narrative:
I am in good standing with all of my accounts have paid down a considerable amount of debt in the last couple of months and even had a credit score in the 700s. After the cares act in XXXX, my student loans were put in forbearance through that act and I believe that they are being falsely reported because when I check my credit recently I have a 40 point credit decrease. And this time I have not open any accounts and made any debt or or hard inquiries. I really need help in investigating this manner because a 40-point decrease a my credit score does not make sense to me and the only thing I can see on my report is remarks from the department of education and it does not provide any further information about why my credit score has taken such a large hit.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Sears Mastercard and was given a 6 month promotion for a purchase of {$1000.00}. 
The promotion was due to expire on XX/XX/2020. 
I always make full payments on my currant charges for the prior month to avoid interest charges. 
My last statement payment was due on XX/XX/2020 and I made a payment to cover all charges, {$910.00}, made on this statement. 
The credit card company applied my payment to the promotional balance instead of my currant charges despite the fact that the promotion did not expire for 30 days. 
I even took the additional step of calling the credit card company 10 days before the XXXX payment was due to make them aware of how the payment was to be allocated, and was assured by their representative that the entire payment would go to the currant charges and not the promotional balance. 
By applying my payment to the promotional balance I am being charged a very high interest rate, 25.25 %, for a minimum of 2 months on all my purchases. 
This is the second time I have been subjected to this deceptive advertising practice by Sears Mastercard.

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 2020-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I made a {$1000.00} payment on the USAA app towards my credit card balance. USAA drafted the funds out of my XXXX XXXX XXXX checking account but never applied the payment towards my credit card. I reached out to them a couple of time and finally on XX/XX/XXXX, a work item was established by them to review my complaint. On XX/XX/XXXX they sent a letter asking me to get a copy of the ETF form from the bank and a copy of the cleared check. XXXX XXXX XXXX does not keep etf data past three months and no paper check was ever generated since USAA sent an electronic request for the funds. I sent USAA a copy of my bank statement showing the internet payment to them. On XX/XX/XXXX, USAA sent me a letter stating that a billing error did not occur and no further action would be taken. On XX/XX/XXXX, I spoke with XXXX at USAA and we went around several times regarding my inability to provide electronic records of a payment initiated on their app. Finally I asked to speak to someone else and was then transferred to XXXX in Executive Relations Team. He told me that without an etf form from the bank they could not help me and my bank statement was not adequate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition Transunion, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since Transunion, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

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 2020-05-25 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 have been a victim of identity theft, these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25 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:
SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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