vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 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: I.C. System, Inc.
State: NV

Complaint narrative:
I recently checked my Consumer Report and noticed that a change was made on my report. It states that I C Systems was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.

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 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank has two fraudulent credit card accounts in my name as the result of identity and they still havent removed after I informed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

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 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX has reported inaccurate payment history information to my credit report and has refused to remove it. This inaccurate information has been on my credit report since 2017. Some credit reports show 1 late payment and others show 2 late payments, both of which are inaccurate. I was never notified that these payments were late.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
The bank said I overdrawn and I disagreed because credits should been on my account so I disputed charges to M & TBank. The bank said that they disputed and the creditors Declined, For any credits : so I disagree And did the disputed myself. XXXX XXXX return {$290.00} : XXXX XXXX agreed that they owned me money because That charged me on a contract they I cancel I went to the car wash place to pick the money up but since I told them I disputed with the bank they refuse to give me my money and said I was trying to collect twice. 

I do not owe this bank any money Im asking the bank to investigate and take me out of the credit and pay me the money they owe me for over a two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: National Credit Adjusters, LLC
State: NC

Complaint narrative:
NCA has deceitfully supplied a bill that does not belong to me as " evidence '' that the account belongs to me. I have requested a documented level paper trail baring my signature. 

This matter is not at a conclusion with your office until I file a lawsuit. The attached bill that NCA supplied to CFPB do not support their claim that this account belongs to me. The address associated to the account ( for the document they supplied ) does not and has not ever belonged to me. You have failed to send documented level papers baring my signature that I open an account with you or any other agency/business that you represent. Furthermore, as sighted on my credit report I have been a victim of identity theft. You are reporting incorrect information on a victim! 

I demand that this erroneous and damaging file be removed from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MAJR Financial Corp
State: TX

Complaint narrative:
Identity theft, this needs to be removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I made numerous phone calls with Wells Fargo .They have a balance transfer promotion for 0 % for 15 months what they dont want to honor at all.The promotion says you can transfer balances into your checking account and credit card account.They told me that they sent out balance transfer check what I can deposit into my checking account but it never arrived.One of them rep said it was sent out on XXXX.The check was not sent out at all according to XXXX  who I was talking to at last.After that I tried to transfer the balance into my credit card account but I was completely ignored.XXXX said she could not process none of my request for personal reason because I raised my voice because she kept reading my credit card number back incorrectly and she said that she got a bad eye sight.Why does she sit there if she can not read the number back correctly and she needs to enlarge those numbers for double of its normal size.I was on the phone for 2 hours and I could not do any balance transfer at all.I was refused non stop.They promote a false advertising on this promotion..She just wanted to find any excuses for not completing my request.XXXX  could not provide me with her ID number too when I asked her to do that.

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 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have reported this event to the federal trade commission. I have never signed for a car loan, promissory note, or any type of instrument nor have I received anything of value or value said owed. I have suffered irreparable harm from these fraudulent actions. FTC report number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently checked my Consumer Report and noticed that a change was made on my report. It states that XXXX XXXX XXXX was removed from my report and I gained 1 point. I disputed this item last year which wasn't deleted and now after another dispute it has become deleted. I would like to know what was the purpose of the deletion. According to 15 USC 1681 n and 15 USC 1681 b ( 2 ) they are in Violation. I never gave them permission to report anything to them and Pursuant to 15 USC 1692j. I am asking for remedy of XXXX by Check Only.

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 2021-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX lease was satisfied and they are reporting incorrect i formation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been paying a PMI mortgage for over 14 years on my mortgage payment I have paid {$98000.00} so far I have my original long document stating that I supposed to pay PMI for one year

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: DE

Complaint narrative:
On XX/XX/XXXX I began to transfer my Robinhood account to XXXX. On XX/XX/XXXX my request to transfer stock was approved to XXXX. However, I also had {$1900.00} in cash in my account with Robinhood that was not invested. On XX/XX/XXXX I attempted to withdraw my funds and place them back into my checking account to reinvest on XXXX. My request was denied. I contacted Robinhood and received no response. On XXXX XXXX, XXXX, and XXXX, I attempted to get my funds and a message came up that they could not complete my transaction because my account has been deactivated. 

The funds were showing as still in my account until today XX/XX/2021. Today my Robinhood account shows a balance of {$0.00}. {$1900.00} has gone missing. Robinhood has no phone service to call. I've emailed and received no response back. They are now hold my funds for over a week since being notified I wish to withdraw. My money has not been moved to my bank, and now it is not being accounted for by their service. I want my money back in my account immediately. I am losing money on investments everyday they delay. 

What they are doing is highly fraudulent and nearly criminal without an explanation provided. 

I've attached screenshots and a video to submit as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Identity theft delete from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This is another follow-up to previous complaints already submitted against Pentagon FCU ( Ref # XXXX and # XXXX XXXX. 

On XX/XX/XXXX, we received a letter from the Credit Dispute department, claiming that PenFed performs hard credit pulls on all joint owners to remain compliant with the USA PATRIOT Act. The letter does not explain why such a pull was not required for me, a white male, but was required for my wife, a non-white female nor does it explain why a soft credit pull is insufficient to verify the identity of joint owners, whereas it was sufficient to verify my identity as the primary owner. PenFeds feeble explanation for their action in no way justifies the clearly discriminatory and targeted manner in which they choose to attempt to remain compliant with Federal regulations. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions against protected classes ( race, gender, and country of origin ) and the relying on fraudulent explanations to cover up their discriminatory actions based on race, gender, and country of origin. They have now closed this issue without corrective action, despite having acknowledged their wrongdoing on record on multiple occasions and having previously stated that they would correct this error on their part.

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 2021-02-11 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
There is a fraud account from XXXX XXXX XXXX opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with SANTANDER CONSUMER USA there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: TX

Complaint narrative:
TransUnion keeps putting delinquent accounts on my credit report. 

Last week I noticed than an extra account was added to my credit report from XXXX XXXX XXXX with a balance of {$0.00} the strange thing they reported also that this account was opened on XX/XX/XXXX ( 2 yrs, 8 mos ) and it was reported THIS WEEK how that's even possible same issue happened with 2 accounts XXXX XXXX XXXX opened XX/XX/XXXX ( 3 yrs, 4 mos ) and XXXX  XXXX XXXX opened XX/XX/XXXX ( 2 yrs, 10 mos ) I don't know how that even possible, XXXX  XXXX XXXX and XXXX showed up a year ago on my report, i tried to dispute them 5 times, they didn't respond i hired a credit repair company for {$1500.00} they didn't remove anything. Also there's a plenty of false addresses on my report as well that I've never lived on. There's over 36 address in the past 3 years so according to them I change my address every month, also 15 credit inquiries I'm my credit report I have no idea where they're from! 

I'm really frustrated I pay 13 % in Interest just because TransUnion doing this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: OH

Complaint narrative:
Trans union dropped my score 39 points when I called them and asked what changed to cause it they said nothing has changed except one hard inquiry which could not cause a 39 point drop! I have been working on my credit for two years and was making slow progress until two days ago when my score dropped 39 points for no reason!! I called transunion and XXXX XXXX  neither could explain this point drop! 

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 2021-02-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I received my credit report from Equifax and I noticed some inquires that I did not authorized. On XXXX XXXX XXXX XXXX is showing up as an inquiry. On XX/XX/2020 the following companies are being report on my credit report as an inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/2020 XXXX XXXX, XXXX XXXX is also listed on my credit report. I did not authorize these inquires. I have spent weeks talking to each of these companies and I was notified to contact Equifax to removed those inquires. I have sent several letters to Equifax and did not receive any respond from them. It has been well over 30 days. Equifax did not provide strict proof of me personally authorizing these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CA

Complaint narrative:
I have tried to no avail to resolve inaccuracies on my Experian credit report. There are duplicate accounts that they refuse to thoroughly investigate after numerous disputes, there is an account from XXXX XXXX that shows a late payment, and the account was refinanced through XXXX XXXX XXXX XXXX before a payment was even owed. There are accounts that were disputed with XXXX XXXX and removed, and Experian refuses to properly handle them. I received over 24 notifications from Experian in a 30-day time frame, on results of disputes that are were not even updated, in fact, they have lowered my credit score for trying to resolve these issues. I have a XXXX  job, that requires me to maintain my credit, and in the process of trying to purchase a home, this issue is interfering with my livelihood and chances at obtaining a fair home loan. I need assistance please.

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 2021-02-11 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.

Company response to consumer: Closed with explanation