vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 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: SC

Complaint narrative:
On XX/XX/XXXX I filed a complaint ( XXXX ) against XXXX for their inaccurate reporting on my credit report. I also made several calls regarding this as well. Last call XX/XX/XXXX because my balance is constantly changing causing my score to drop dramatically while I am trying to purchase a home for my kids and I. I have researched this and found that XXXX has been inaccurately reporting my loans since XX/XX/XXXX. I have late payments reporting XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have attached proof from the Federal student loans site and also the response from the last complaint that I was in forbearance. I have fought with the credit bureaus as well to have this information updated but XXXX keeps coming back saying that it is correct. This has harmed my reputation with obtaining credit for years and definitely is defamation of character. Since XXXX obviously can not handle accurate reporting I demand these accounts be deleted. 

Under the FCRA, consumers can sue for : Statutory damages of {$100.00} {$1000.00} per violation Actual damages for injury the consumer suffered Emotional damages for stress or physical ailments resulting from the ordeal Punitive damages to punish the violator for their actions

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 2020-04-30 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: AES/PHEAA
State: MD

Complaint narrative:
These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from AES and PHEAA, XXXX ID # XXXX From ASE and XXXX from PHEAA, both informed me that nothing has been reported since XXXX but according to my XXXX  credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Somehow I was charged for Transunion service when clicking through a link for a FREE credit dispute service. There was no cart, receipt, or bill of any kind shown before being charged. I only noticed because I was sent a receipt to my email. I was simply trying to create an account.

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 2020-04-30 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: TN

Complaint narrative:
There are fraudulent accounts reporting on my credit profile

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 2020-04-30 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: TN

Complaint narrative:
There are fraudulent accounts reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: TN

Complaint narrative:
There are fraudulent accounts reporting on my credit profile

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 2020-04-30 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:
On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2020-04-30 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: NY

Complaint narrative:
XX/XX/2020 Documents were sent to the credit reporting agency. Regarding accounts that were not mine.

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 2020-04-30 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: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I had run my credit report and I found out that I had a debt collection reported on my credit by seeing this I had send them letters explaining this debts is not correct that this debt So when I saw this I deiced to write a letter to them and to XXXX  which I also send a copy of the letters I sent to ERC on XX/XX/2020 I had send a registered certified mail to let them know what is this ( see attached document ) which I have not received respond. 

On XXXX XXXX I send them another letter to ERC and XXXX  and I have not received any respond again. ( see attached document ) and 3rd letter was send on XX/XX/2020 agin till today I have not received a respond

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX- XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Collections and XXXX XXXX violated my 609 rights by reporting incorrect information to TrainsUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXXXXXX -XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  and XXXX   XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a Wells Fargo Platinum VISA card ( ending in XXXX ) in the mail that I had not applied for. I called Wells Fargo and they told me that someone had applied for the card online. I told them that it was not me and they told me they would cancel it. I asked how someone else could open a card up in my name online, but they would not provide any information. When I asked them to verify that nothing else was opened up in my name, they wanted to verify additional information on me. I called them and had already established my identity - enough for them to cancel the card. I asked what other steps would be taken in this matter - as far as an investigation, credit reporting, but was told that their responsibility ended with closing the account - that is not good enough. Wells Fargo should be going above and beyond in handling customer privacy, especially with all of the recent scandals and missteps they have made. I want additional actions taken by Wells Fargo on my behalf.

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 2020-04-30 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
On XX/XX/2020 i submitted a dispute letter to XXXX  in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays XXXX  recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV FUNDING LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: ERC
State: SC

Complaint narrative:
I had an old account with XXXX XXXX XXXX I contacted them and settled to pay my bill in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-30 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: MD

Complaint narrative:
These loans we're taking out in XXXX, on my credit report it states I opened the accounts in XXXX, there also reporting inaccurate balances, I spoke with Representatives from XXXX and XXXX, XXXX ID # XXXX From XXXX  and XXXX from XXXX, both informed me that nothing has been reported since XXXX but according to my Experian credit report there still reporting late payments along with other inaccurate information, which is a direct violation of the Fair credit reporting act.

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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow up of complaints XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

Yesterday when I went to the Bank the person whom I interacted with Mr.XXXX   said the deposit of the cheque will be put on hold. However today, I see that the cheque status as " Return of posted check '' XX/XX/XXXX Show additional information for activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX They also started the transfer that I requested to stop. They deducted " {$3.00} '' from my account on XX/XX/XXXX. 

They put a freeze on my ability to pay bills. 

They are overdrawing my account to transfer money out of a closed checking account which does not have money. 

This is the most atrocious scam I have ever encountered. As a citizen of this country, I am not sure why we tolerate practices like this. 

Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... 
activity type debit status type icon cleared XXXX. Select to mark activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... as Reconciled 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 monetary relief
Consumer complaint received 2020-04-30 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: GA

Complaint narrative:
XXXX- XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-04-30 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
1. We were in the process of looking to purchase a Used XXXX  XXXX XXXX at XXXX XXXX in XXXX, FL. After going through the process and agreeing upon a final monthly payment amount. This is where it went downhill because the dealership is advertising the vehicle for {$31.00}, XXXX ( see attached online ad ) however when they presented the loan offer to us they marked the car up $ XXXX. When I asked them how did the car price increase from {$31000.00} to over $ 41k. The car salesman said it was based off of certain restrictions. I advised him that the online advertising does not state in order to qualify for this price you must meet certain requirements ( which is deceiving and misleading to consumers ). Not to mention, they claim they are paying your trade in off but in reality they aren't because they are adding the trade in value back into the loan at the back end of the loan. Therefore, I feel as though they are violating UDAAP and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank is refusing to let me open a new account for reasons unknown they have internally blacklisted me and have not provided any reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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