vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 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: CarMax, Inc.
State: WA

Complaint narrative:
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed  after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to carmax directly and when I did they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: NJ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to TransUnion and XXXX  in regards to an account XXXX  XXXX  XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.

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 2020-05-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and sometime in XXXX I sent letters to XXXX  and Equifax in regards to an account XXXX  XXXX XXXX. I've paid on time {$110.00} for 48 months till the car loan was paid off. Its showing on my credit report as chapter XXXX wage earner plan. Thats inaccurate. I have the original contract and a copy of all 48 cashed checks but yet they keep sending me back letters that say verified with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: OH

Complaint narrative:
I had an issue with a company ( XXXX  XXXX/XXXX  ) not taking payments and then charging late fees. I called and asked for an online log in and they said they could not do that then I asked to make a payment over the phone and they said their system was down. I called back the next week or so and the company said that the promotional financing expiration date expired and that there was an added aprox~ {$200.00} to the account. I explained the situation then they said they would remove the interest. They then took my payment and told me the account would be at a XXXX  balance. A few days later I go to check my credit and notice that there is still {$210.00} unpaid ( the amount that XXXX  XXXX/XXXX  had agreed to remove ). I went to dispute the charge and it came back that it was a valid charge. I called transunion to talk about this and I got a hold of someone and they asked for my ssn. They had an accent and was curious where they where located as I just gave them my ssn. So I asked and was told the united states. I asked which state and they started to get defensive and told me the united states and that they where not allowed to tell me which state. I then asked if I could speak with a manager I got transferred to a line that said " welcome to transunions disputes center we are currently closed ''. Are my calls to transunion being routed to another country where there are no laws for prosecuting someone properly for identity theft. Another concern is that XXXX  XXXX/XXXX  is making it more difficult than necessary for me to make payments so that they can collect late fees to increase profit. Thank you for any help you can offer!

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 2020-05-07 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-07 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have requested a reduction of the interest rate charged on my Citi Costco Credit card and have been turned down because I have been late on several payments. I acknowledge that I have been late but I have made all of my payments including late fees and am entirely current. 
I am requesting help in getting my interest rate lowered which will make paying the remaining balance much easier for me. With the current interest rate climate, it is excessive to be charging XXXX XXXX. 

What has made this complaint necessary is the difficulty in talking to anyone at Citibank. 
Wait times run into several hours on hold due to the Covid-19 problems. 

Thank you in advance for anything you can do to assist me here

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 2020-05-07 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 been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
I have been a victim of identity theft

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 2020-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I recently learned that Capital One is not accurately reporting information for two credit cards I currently have with the company. I tried to dispute the information through XXXX  but I was advised to contact the creditor as they are responsible for supplying the information in the first place. I then called Capital One regarding the inaccurate information and they stated that they update balance information each month to the credit reporting agencies. However, upon further review, I discovered that my information has been inaccurately reported for the past year. Not only is the balance history completely inaccurate, but so is the the average monthly payment listed for each credit card. This incorrect information has hurt my ability to secure a mortgage and other important lines of credit because I am not able to demonstrate a history of paying off large balances. 

Here 's the snapshot for CAPITAL ONE CREDIT CARD ( credit line {$5000.00}, current balance {$2900.00} ). On XX/XX/XXXX, Capital One reported a payment of {$140.00} but the actual payment was {$1500.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$150.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$140.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$550.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$350.00}. XX/XX/XXXX, CapOne reported {$120.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$500.00}. XX/XX/XXXX, CapOne reported {$110.00}, actual payment was {$300.00}. 

SECOND CAPITAL ONE CREDIT CARD ( {$2000.00} credit line, current balance : {$930.00} ) : XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$700.00}. XX/XX/XXXX, CapOne reported {$54.00}, actual payment was {$300.00}. XX/XX/XXXX, CapOne reported {$52.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$51.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$49.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$100.00}. XX/XX/XXXX, CapOne reported {$57.00}, actual payment was {$200.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$150.00}. XX/XX/XXXX, CapOne reported {$53.00}, actual payment was {$150.00}. XX/XX/XXXX, XXXX reported {$53.00}, actual payment was {$400.00}. XX/XX/XXXX, CapOne reported {$56.00}, actual payment was {$300.00}. Based on this information, my average monthly payment of {$37.00} is absolutely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: MN

Complaint narrative:
Not my accounts or inquires

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 2020-05-07 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: Exeter Finance, LLC.
State: WA

Complaint narrative:
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I went to look at cars XX/XX/2019, I sat down spoke with the salesman and discussed my option. They appraised my car and ended up pulling credit. Before I allowed them to pull my credit I asked the salesman how many lenders would be obtaining a copy of my credit report he said 2 or 3 it ended up being 6 or 7 the three credit bureaus. He also stated that if I didnt purchase a car the inquires would be removed after 45 days. I also reached out to the lenders directly to get this resolved and they told me to reach out to XXXX directly and when I did they refused to remove it

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 2020-05-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Today I called Transunion credit dispute number to dispute negative information in my credit report. They picked up after 1 hour then proceeded to transfer the call where they kept me on hold for 2 hours until they got off of work and never assisted me with my dispute at all. 
This is the 2nd time this was done to me. I am being ignored and not helped at all.

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 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX I was talking with a scammer on XXXX that supposed to unlock XXXX. 
My wife XXXX was mainly talking with him and captured the messages from where he leads us to pay for the service. We tried to pay as service on XXXX but it didn't go through so we ended up using venmo thinking that they will help us when things go wrong. 
Please see our supporting document that clearly shows that this scammer acted as someone who knows what he is doing and asked us to pay for {$150.00}. He specifically told us to wait a day ( now we know why since this way the payment goes through ). 
XXXX the scammer goes by on XXXX now deactivated his account after got what he wanted ... XXXX XX/XX/XXXX ). We documented as well. 

Currently Venmo is investigating but not going anywhere ... so we decided to open the complaint here. 

Please bring justice to this scammer who is probably hurting others as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: DE

Complaint narrative:
Subsequent to being injured at work in XX/XX/XXXX some of the medical providers failed to code it as a Workman 's Compensation Injury, thus placing the debt under my name. For the past 18 months, I have not been successful in having my claim resolved. I found it necessary to have the Worker 's Comp attorney intervene. The law firm has mailed the proper documents several times to the medical providers, however, they ( medical providers ) have not followed the protocol ( necessary forms ) required by Workman 's Compensation to pay the claim. This leaves me in the middle, my credit score has suffered greatly and I'm unable to secure any type of loan due to my credit score. 

In the past month, I was served with a court paper to stand trial for a delinquent account. The attorney was successful in having that placed on hold until this can be resolved. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Email to me from the collection agency. 

I just spoke to XXXX at XXXX and he states the balance we have is current. Date of service XXXX {$260.00} XXXX {$240.00} and XX/XX/XXXX - {$25.00}. 

The number you can call for XXXX is XXXX if you want to do a follow-up. I then called XXXX XXXX XXXX XXXX and spoke to XXXX she states Workmans Comp was denied being it wasnt authorized in a timely manner? She said if you want to run it again you would have to take it up with your adjuster. I told her I would give you their info and you may be calling in for a follow-up. I hope this was helpful. Call these people for a follow-up and I will do my part to keep your accounts active in hopes that they get things straightened out being it seems your not at fault. 

Please keep in contact with me. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}

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 2020-05-07 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. COLLECTIONS XXXX {$92.00} XXXX XXXX XXXX XXXX {$4500.00}

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 2020-05-07 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: FL

Complaint narrative:
I mailed a dispute to Experian the beginning part of XXXX and I received the results today Report # XXXX and nothing was done other than updating with incorrect information and this has caused a tremendous drop in my credit. It is the Agency 's  responsibility to provide the consumer with validation and verification of these debts and this hasn't been done as of yet. You updated my report with the following incorrect information : XXXX saying it was charged off in XX/XX/XXXX, I DON'T HAVE A XXXX CARD SO THIS IS FALSE INFORMATION XXXX XXXX XXXX UPDATED THIS WITH CHARGE OFF INFORMATION SINCE XX/XX/2018 AND AGAIN, I DON'T HAVE OR HAD A XXXX XXXX CARD XXXXYOU UPDATED THIS TO BEING CHARGE OFF AS OF XXXX, L XXXXI DONT HAVE A XXXX CARD SO THIS IS FALSE INFORMATION YOU CAN'T JUST PUT INFORMATION ON MY CREDIT FILE WITHOUT PROVIDING VISIBLE PROOF OF VERIFYING AND VALIDATING. THIS GOES AGAINST THE CREDIT LAWS FCRA ALSO THE FOLLOWING CREDIT INQUIRIES NEED TO BE DELETED ALSO AS THEY WEREN'T AUTHORIZED : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX THE FOLLOWING ADDRESS DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DO NOT SEND A BOGUS RESPOND BACK SAYING I DIDN'T SUBMIT THE COMPLAINT WHEN IT IS COMING DIRECTLY FROM MYSELF. IF YOU DONT CORRECT THIS HUGE ERROR, IT LEAVES ME NO CHOICE TO PURSUE A LAWSUIT AGAINST EXPERIAN FOR NOT FOLLOWING THE LAWS

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
fraudulent unauthorized inquiries reporting on my Experian 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