vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 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:
I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.

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 2020-05-26 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:
I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NC

Complaint narrative:
XXXX, XXXX  and Experian Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months Experian has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( Experian ONLY XXXX XXXX XXXX XXXX  # XXXX I have a active account with this company thats in good standing never missed a payment Yet Experian has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only Experian who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to Experian for months now and have been disputing this account and they wont remove it. 



Next issue is with ( Experian Only ) XXXX  and XXXX  removed this account for being inaccurate years ago I contacted the company company and they have no record of the account Experian says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus Experian, XXXX  and XXXX  wont remove the XXXX  they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus

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 2020-05-26 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 & 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 2020-05-26 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.

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 2020-05-26 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: TX

Complaint narrative:
XXXX XXXX sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 sent a letter stating they would correct the past due notice on my credit report, but they indicated the wrong month in the letter. When I contacted them to correct it and report the month of XXXX as not past due, they indicated I would have to submit a new report. XXXX was the last case number that I used for CFPB with all documentation. They are still reporting the month of XXXX as Past Due and it should not have been reported as such based on the policies I presented.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX ) USAA REVERSES MERCHANTS CREDITS Leaving consumers liable for fraud when they are supposed to be no liability. USAA FABROCATED FRAUD I DID NOT REPORT reversing merchants credits on returned goods. See attatched XX/XX/XXXX FRAUD CLAIM INVESTIGATION RESULTS ( ** I did NOT REPORT FRAUD ON {$210.00} XXXX RETURNED ITEM ) USAA FABROCATED THIS FRAUD. Kindly Note The credits we deposited at beginning of the investigation have been reversed??? See attatched XXXX XX/XX/XXXX statement CLEARLY THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY. MERCHANTS CREDITS. See attatched FRAUD CLAIM RESULTS XX/XX/XXXX {$120.00} XXXX XXXX ** ( I DID NOT REPORT THIS RETURNED ITEM AS FRAUD. ) Again see XX/XX/XXXX statement attatched THERE ARE NO USAA CREDITS TO REVERSE. THERE ARE ONLY MERCHANTS CREDITS. XXXX ) See attatched CREDIT CARD FRAUD CLAIM of XX/XX/XXXX completion of fraud CLAIM DATE XX/XX/XXXX {$470.00}. Again see attatched XX/XX/XXXX statement. {$470.00} FRAUD I REPORTED ** CLEARLY DOES NOT INCLUDED {$120.00} XXXX XXXX OR {$210.00} USAA HAS CHEATED ME HOLDING ME LIABLE USAA HAS PROVIDED NO FRAUD CREDITS I AM DUE {$340.00}. SHAME ON USAA UNEARNED FRAUD INCOME.USAA HAS ALSO LIED ON MY CREDIT REPORTING I REPORTED FRAUD ON RETURNED GOODS DESTROYING MY CREDIT SLANDERING MY GOOD NAME FOR THE SAKE OF UNEARNED XXXX ) USAA XXXX NOT RESOLVE FRAUD TIMELY!! Kindly Note CREDIT CARD FRAUD CLAIM LETTER OF XX/XX/XXXX ** IS COMPLETING INVESTIGATION OF XX/XX/XXXX. IT TOOK USAA A YEAR JUST TO COMPLETE INVESTIGATION AND XXXX YEARS LATER USAA STILL HAS NOT PROVIDED THESE FRAUD CREDITS DUE ME XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As I was impacted financially by the COVID-19 pandemic with losing income to my Family, I contacted Wells Fargo and requested assistance with delaying my mortgage during the process. They agreed to delay the mortgage for 3 months and at that time I would be able to see if I qualify to have the payments moved to the end of the loan or be responsible to make the entire 3 months missed payments at once. 

I contacted them and requested to move the payments to the end of the loan as I would not be financially able to make the payments all at once. Instead, I am able to make the XX/XX/2020 payment so essentially, I will only be 2 months payment behind at this point that I wanted to add to the end of the loan or spread out over 24 months. 

In the beginning when they placed me in the payment forbearance, they stated that they would not report the loan as late or charge any late fees. Although this is correct, they have reported the loan as in forbearance which has also had a negative impact on my credit report for all three reporting agencies, XXXX, XXXX and XXXX   have all received notice from Wells Fargo to place the comments, " In Forbearance not making payments '' which has impacted my credit score will all agencies by 20 plus points. This is very bad business practice and I feel they are exploiting the loop holes in the Care Act to allow for these mortgage options for those in need and there is little  we have as consumers to do about it. 

Now, I am planning to resume payments

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MI

Complaint narrative:
During the Coronavirus issue, phase XXXX, cycle XXXX, Discover Financial Services did not fully investigate options related to fraud and abuse as indicated with a renewed credit card. The new issued card had information that apparently rolled over to the new system however the crisis severely impacted my ability to pay my account on time and now I am concerned that I will have difficulties obtaining a student loan for the XXXX XXXX XXXX XXXX XXXX this fall. The pandemic is challenging and I believe that once again we can unite to formulate an outcome based on good decisions as demonstrated with my first television in XXXX XXXX, XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: NC

Complaint narrative:
TransUnion, XXXX  and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The XXXX Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX XXXX even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY XXXX XXXX XXXX Bank # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has XXXX accounts the XXXX that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other XXXX bureaus only XXXX who is reporting this chargeoff the other XXXX bureaus have the correct information which should just be the XXXX account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) TransUnion and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted ComenityBank they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company XXXX XXXX XXXX XXXX has Removed the account from all XXXX bureaus XXXX, TransUnion and XXXX  XXXX remove the XXXX they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all XXXX bureaus

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 2020-05-26 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: NC

Complaint narrative:
XXXX, Equifax and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY ) XXXX XXXX XXXX # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only XXXX  who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) XXXX  and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX/XXXX  I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX  they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus XXXX, XXXX and Equifax wont remove the XXXX/XXXX  they keep referring me to contact XXXX  and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-26 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Transunion & XXXX I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score.

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