vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: MI

Complaint narrative:
I submitted several dispute alone with police report proving my identity has been compromised. XXXX refuse to remove the compromised information. 
I am attaching the police report and i would like the Bankruptcy that they can not verify XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  And 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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft and did not make these changes. Delete and Remove please. I HAVE ATTACHED DOCUMENTS.

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 2022-08-27 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: MI

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXX due to my 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 non-monetary relief
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX for three and a half weeks. I was unable to make arrangements with XXXX XXXX due to my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I opened a credit card with XXXXXXXX XXXX XX/XX/XXXX. Payment history shows XX/XX/XXXX reported as 30 days late and XX/XX/XXXX reported as 60 days late. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with XXXXXXXX XXXX  due to my 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 2022-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
File XXXX XXXX bankruptcy in 2021 that was discharge on XX/XX/2021. I was a co-signer of a auto loan from Capital One that was included in the XXXX, I never signed a re-affirmation letter. The car is in possession of the 3rd party who was initially on the contract. That person is currently making payments on the vehicle but has been late on several payments which is now being reported on my credit reports. I have written and call many times to Capital One and each department stated it is not their responsibility with that dept. I am constantly getting the round a round. Capital One has failed to respond to me are my XXXX attorney. According to the Bankruptcy Trustee Capital One is making it difficult to close this case by trying to collect funds that are already included into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: GA

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-08-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently pulled my credit report and found that here is 2 late payments reporting to my credit report. 

The lates are in XXXX and XXXX and I believe this may be report inaccurate

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 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: GA

Complaint narrative:
this company previously removed and randomly readded to my credit starting with a newer date to re age the debt which violates statue of limitations and FCRA. 

furthermore the original creditor XXXX had already let me out of my contract due to poor service and not being able to keep their side of the contract with the cellular service. 
please delete and do not re add. 

and stop calling my work phone telling me ur a lawyer and to pay or u will take action having me arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect names, addresses, and social security numbers 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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Recently on XX/XX/XXXX I again called Bank of America Prepaid EDD card Dept. and expressed my desire to know where they were in investigating my almost 3 years ago {$5000.00} was stolen from my account. Actually 2 amounts first the {$5000.00} on XX/XX/XXXX which was transferred by the criminal through a phone app. 2nd amount of {$4400.00} which was transferred on XX/XX/XXXX by the criminals again through a phone app. How do I know I was told by XXXX XXXX a Bank of America officer. 

On XX/XX/XXXX I received the refund of {$4400.00} in a check. In the check form as stated by EDD of California, who I am in contact still with informing them a everything that is occurring and My Edd advisor will stay with until I receive all of my money. 

I have yet to receive the {$5000.00} and every time I call the XXXX XXXX the person at B of A tells me it is under investigation. It has been almost 3 years? They sent me a print out of my account and it is clear as the sun in the sky, that it was stolen not once but twice because despite my calls no one stopped the transfers from occurring. 
I am expecting a check anyday now to be sent so I can finally tell EDD California Dept. That it has been resolved.

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 2022-08-27 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: GA

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

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 2022-08-27 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: GA

Complaint narrative:
The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2022, I submitted a written request for the two CRAs to 1 ) update the XXXX maintained by both Equifax and XXXX to delete derogatory items that are 7 or more years out of date & 2 ) provide a copy of the corrected " report '' ASAP. The written request included substantial documentation to establish the bone fide authorization including old versions of each CRA 's consumer credit report ; the XXXX result from XXXX CRA who already did it after a request was filed ; a certified copy of my Driver License Abstract ( because it is public information ) including the citation from Washington State law ( RCW 46.20.035 ) which establishes " a driver 's license .. is valid for identification purposes. '' However, I refuse to provide these private corporations with my social security number because it is NOT public information & they have no right to demand it from a consumer ; i.e., Social Security Administration publications state that providing it to non-governmental entity is voluntary. 

There has been no response & more than 30 days have passed. I stated in the letter all contact is to be written.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, these accounts have violated my rights. 

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 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 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 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 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  15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied online for an auto loan on Monday XX/XX/XXXX. I was applying to purchase a new XXXX. Nowhere in the application process did it say anything about not being able to finance a XXXX. XXXX allows third party financing so I thought I would go through my bank to finance the new car. After being approved for a {$68000.00} purchase I reached out to let them know that this was a XXXX and the delivery date may be later than the 30 days. After US Bank pulled my credit report and approved me for the loan they came to me 2 days later and told me that this loan was not eligible to purchase a XXXX. Again, nothing in the loan application stated that this was not possible. I spoke with a number of people at US Bank who all had conflicting answers. Now in order to finance the car I have to reapply through XXXX financing and they will have to pull my credit again. This definitely has a negative impact on my credit score and I really do not think this is right or justifiable. If I had seen any information in there explains that XXXX cars were not eligible I would have taken a different action.

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 2022-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I was talking with my personal banker at PNC Bank in XXXXXXXX XXXX  about trying to resolve some personal debt, and she recommended a HELOC to consolidate my debt and pay off credit cards. everything we discussed was a {$320000.00} fixed rate HELOC with the only difference between it and a mortgage was that this wouldn't have an escrow account to pay my home owners insurance and property taxes, I would be responsible for that on my own. At the time I started and completed the application XXXX XXXX XXXX XXXX time frame ), I was told my fixed rate was LOCKED in at 4.28 % while we went through the entire process all the way to closing. It took 5-6 weeks to get to closing ( middle of XX/XX/2022 ) and the day before we closed, my loan officer from the PNC cooperate office called and told me the rate was 5.44 %. I called my personal banker at the PNC XXXX branch and told her it was different than what we had been discussing the entire time, but she went to her higher ups and got confirmation that the rate was locked in at 4.28 %. When we went to close, some forms said 4.28 % and some said 5.44 %, but my personal banker had gotten confirmation and we ( she, me, and the other PNC employee who was there at signing ) discussed that the rate was 4.28 % fixed rate. I signed and everything was good to go! My first statement even shows 4.28 % on the initial line of credit, but it shows the interest rate being at 5.44 %. Then the loan shows up on my account and is showing that I owed what would be 4.78 %, despite showing everything we had discussed with it being 4.28 % fixed rate. When I questioned the corporate office, they said that the " prime rate '' had increased between when I applied and when I closed ( even though I was notified and NONE of my paperwork said anything about 4.78 % ). After my first payment, I noticed that the payment amount was not 4.78 % interest, but actually 5.44 % interest. After much back and forth with my personal banker and the corporate office, they say I am stuck at 5.44 % even though there are call logs and all the paperwork showing between me and other PNC employees with us discussing that the rate is 4.28 % fixed rate. The local PNC bank has been extremely helpful and I feel that they are fighting to help me, but the corporate office is not being helpful or fair at all. My personal banker, the other PNC employee who was at signing, and myself were ALL under the impression that this was a 4.28 % fixed rate loan. If I were to keep this loan for the 30 years I would be paying an extra {$75000.00} because they took advantage of the situation. In the beginning, I was told this was 4.28 % fixed rate and it has changed twice without notice ( i have paperwork showing this ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: NY

Complaint narrative:
Transunion clearly violating FCRA laws. Transunion stated they verified the accounts but provided no proof. Deleted 2 accounts but ignored the rest. All the incorrect items need to be removed

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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Incorrect names, addresses, and social security numbers 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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Incorrect names, addresses, and social security numbers on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
I writing to file a complaint about Amsher Collection Service at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is a debt collector trying to collect a debt in the amount of {$320.00} in which the original creditor is XXXX. I have contacted Amsher Collection Services on XX/XX/2022 and XXXX on XX/XX/2022. 
The problem is this XXXX was opened in the name of XXXX XXXX XXXX XXXX. which is an XXXX corporation but Amsher Collection Service has attached this debt to my personal credit profile. When I contacted them and requested that this account be removed from my credit report. Their representative told me that she didnt know what to do about it and she had to ask a supervisor. She never returned to the call and hung up on me. I called back and was redirected back to the same personal who number went straight to voicemail. I left a message but my call was never returned. When calling XXXX I was a first hung up on when I first tried to resolve this situation but on my second call in for in touch with a representative named XXXX who also agreed that this account was opened in the name of a XXXX corporation and should not be showing on my credit report. He said he made a request that the account be deleted and XXXX would stop all future collection actions for this account. He stated he would give me a callback on XX/XX/2022 at XXXX XXXX. Although, to date I havent heard anything back from XXXX or XXXX. I have disputed this account with all ( 3 ) bureaus but has yet removed this account from my credit report. 
XXXX has to date validated this account as accurate but has failed to explain how being that the account was opened by a corporation using an XXXX number for the business. I have forward a copy of the bill to XXXX in the name of XXXX XXXX, XXXX. along with a copy of a tax filing for the business which was an XXXX form filing to shown that this business is and has always be a corporation. However XXXX once again validated the account as accurate. They and all your help in resolution of this matter is greatly appreciated. 

Thank You, XXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation