vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: GA

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the XXXX  XXXX  and XXXX XXXX XXXX for other possible violations of the law.

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 2020-10-08 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
We have our mortgage and HELOC valued at {$100000.00} with BB & T, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely 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 explanation
Consumer complaint received 2020-10-08 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I have noticed the 30 days late on my credit report which was due before XX/XX/XXXX. 
I got a returned check by mail on XX/XX/XXXX as an unable to deliver with yellow Sticker. 
I was always on time on making payments. Please remove the late payment which was due on XXXX XXXX. 
I sent the check to : State Farm Bank XXXX XXXX XXXX XXXX XXXX WI XXXX Please Remove the 30 day late payment for XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XXXX of XXXX I had {$1000.00} withdrawn using an ATM in XXXX XXXX TX. This transaction was unauthorized and fraudulent. I closed the card and filed a dispute with U.S. Bank. I am a XXXX  on a laid off worker workfirce re-entry program through the Texas XXXX XXXX. Rhis debit card is issued to me by the state of Texas through U.S. Bank. The funds were place back into my account and I received the funds back onto my card. The correspondence received from the bank stated that the money was removed due to a system error. I started to regularly change my pin numbers and contacted customer service asking for some type of safeguard against unauthorized usage on this card. On XX/XX/XXXX I checked my balance as I regularly do, and noticed a great decline. I logged onto my online banking and found three more unauthorized ATM withdrawals one after the other occurring on XX/XX/XXXX. Each was for {$300.00}, totaling {$900.00}. I immediately contacted the lost/stolen card department and repeated the process of ordering a new card and filling a dispute. I did not withdraw these funds and have never been to the city where these violations are happening. U.S. Bank has declined to put the funds back onto my card and says no error occurred. I am being targeted by scammed and criminals within the banking system because my card had never left my possession. I have never shared my pin number with anyone. U.S bank has someone on the inside that is committing these acts. There is no other way and no explanation other than an inside job. I did not visit or utilize any ATM on XX/XX/XXXX. If U.S bank had investigated and pulled the ATM images or investigate internally this could be solved. I want my funds placed back onto my card. I have sent in an affidavit from the person I was with at the time of the theft. I feel frightened and targeted. I have suffered from this violation and need assistance. I am still trying to gather any other documentation or proof if innocence. No one will listen to me, I have spoken with multiple supervisors and representatives but if seems as I no one will just investigate. I will speak with law enforcement or any investigator from the bank. Please direct me to any additional steps I should take because I did not do this nor did I authorize ANYONE to use my debit card.

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 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Social Finance, Inc.
State: OH

Complaint narrative:
On several dates, most recently XX/XX/2020 SOFI lending has been contacting family members and telling them that I owe a debt and they are trying to collect that debt. They have contacted each of my family members more than once which is against my rights. I would like them to sees and desist these calls to my family. I have also givent them my attorney 's phone number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
As stated before and also acknowledged with the XXXX department that I was a victim of identity theft and my card was compromised back in then months of XXXX till XXXX and I was in a hectic phase with my car and everything being stolen and the target TD bank card which this report is compromised of, so kindly it shows close don my report and I want it removed as im a struggling college student and due that incident and now incorrect information on report it is a big hassle during this virus and challenging times for me to qualify for housing as I dont owe anything and also need my card back as it was stolen. Thanks and kindly remove this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wanted to open a sole proprietor business account so i went online to wells fargo and viewed what documents i needed. i also checked the XXXX XXXX county recorders office for how to aquire a XXXX. since i was using my full legal name in XXXX XXXX   name i was not required to file a XXXX with california. Also on wells fargos website their corporat policy states that if i was using my " full legal name '' in my company name that i was not reqquired to have a XXXX. My wife made the apointment, we went to the bank and was denied for that purpose. i called the bank and spoke to the business part and they checked with a supervisor and they stated i should have no problem opening one because that is there policy. we went back to the bankand spoke to the manager and she explained that the reason is because of the area we live in. that there is a lot of fraud. so i told her " so if i went to XXXX XXXX would i have a problem ''?? that was the explanation. so i XXXX  a complaint and someone took my information over a phone call. his name is XXXX XXXX. he was suppose to call me in 1 week but didnt. we complained again on XXXX and someone called me. her name is XXXX XXXX. she said XXXX sent me a email. i never recieved one. i calle dhim several times asking him to resend but no luck, i feel that we are being discriminated against for the area we live in, according to the bank manager. my wife and i did all our duedilegence to comly with what we need to start this XXXX. wells fargo either needs to change thir policy or uphold their policy.

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 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called 4 times a week wrong info and I pay almost XXXX XXXX down and so how its only 2 percent I always pay early before time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of  Education and XXXX XXXX, my loan servicer to update the record but it has not happened.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of Education and XXXX XXXX, my loan servicer to update the record but it has not happened.

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 2020-10-08 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: Comerica
State: FL

Complaint narrative:
on XX/XX/2020 a little after XXXX XXXX  I got my XXXX payment deposited on my Direct Express card so I went online to pay my XXXX XXXX XXXX which is {$310.00} but when I tried to pay it declined. The major problem I am having is that it is pending longer than 5 days now. I contacted the electric company and they said they do not even see a pending payment on their end even though Direct Express is telling me that its XXXX that needs to accept payment but the electric company says its Direct Express that needs to send the payment. I contacted Direct Express and was on hold over an hour and they seem to be a big joke because they acted like they couldnt hear me which I think is a lie because they heard me when I said I was going to record them and they said I couldnt even though they were recording me. I researched and found out almost everyone across the country is or was having issues with Direct Express. they are not resolving or even trying to resolve my issue. My {$310.00} is literally being with held from me and I am unable to pay my electric and this is my only income being on XXXX so because of Direct Express my electric will be shut off. please help me.They are not putting my {$310.00} back on my card. It is in some kind of limbo and they are keeping my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CA

Complaint narrative:
I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.

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 2020-10-08 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:
I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I attached letter stating the only way they would reinvestigate if they have Cancelled check or money order showing payment, etc. I have enclosed on the previous dispute the required documentation. I have a CASHIER CHECK FROM XXXX XXXX  CASHED BY XXXX XXXX AT XXXX XXXX  AND DATE ALL ATTACHED TO THIS LETTER AND THE PREVIOUS LETTER 'S.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TX

Complaint narrative:
I have requested XXXX, XXXX, and Transunion update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have requested Equifax, XXXX, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
The accounts listed above do not reflect any correct transactions done by me.

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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