vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-01 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to 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 non-monetary relief
Consumer complaint received 2017-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc.
State: IL

Complaint narrative:
I have contacted this company in regards to a bill that was owed. I asked for validation and this is what they sent me. None of the information was in my name. I clearly shows it was a application in XXXX XXXX. They changed the name to XXXX XXXX. When I explained that was not me she stated yes it was and we had a argument. I asked for validation forms of my name and social on the paperwork and this is what I have received. Again the name and social are not mine and yet they entered this on my credit report and I spoke to them. I do n't even know the address listed on the application. They sent the correspondence to my PO BOX . Also, since action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-01 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent and unauthorized. I have never applied for a XXXX credit card account. The XXXX credit card account do n't belong to 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 non-monetary relief
Consumer complaint received 2017-10-01 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: NY

Complaint narrative:
I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to Equifax, XXXX and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email from Capital One on XXXX XXXX  XXXX demanding a transfer of funds in to a Capital One 360 Checking overdraft line of credit. It also stated that they were going to report it to the credit reporting agencies as a default. 

I have never had a checking account with Capital One. I have a credit card which I am going to cancel, but this is a blatant attempt to shake me down for cash coupled with a threat to ruin my credit. My credit is excellent ( XXXX ) and I have never made a late payment for anything, nor have I ever defaulted on any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : 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 2017-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ORG GC GP BUYER, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint # XXXX. I submitted this complaint to request that CFPB help resolve, help bring awareness and help bring relief to a very serious, and now illegal, issue .XXXX XXXX XXXX was and is garnishing my wages for over a year now. they have never offered any XXXX/Student Loan forgiveness or forbearance to me at anytime. At the time of the first complaint I had no correspondence from the loan agency, XXXX XXXX XXXX claim they are collecting for, for over 5 years. ( I am XXXX years old, I graduated in XXXX. ). Prior to this I was told by the loan agency that I should wait for a reply to my multiple request tor XXXX and/or Student Loan Forgiveness, Forbearance, etc. 
A year ago I received a letter stating that my wages would be garnished. I was not given a hearing to attend on this matter of over {$25000.00} and no legal rights to state my opinion or provide proof of evidence in the matter.to the judge at this hearing. 
I then saw that money was taken from my pay on the statements without documented calculation, pay schedule, etc. AND IT IS STILL BEING TAKEN ( I do not even know the amount until after it is taken ... ... .each week ). 
I was told that there is a CLASS ACTION LAWSUIT against companies that are garnishing monies from prior students without the option of forgiveness or forbearance, etc ... XXXX 
I will be sending CFPB presented documents as I continue conversations to be included in the lawsuit where ever I am directly connected. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
When I pay over the minimum payment as told to by others, they seem to just keep that money like several others! This has been happening for years, and they charge me interest + interest! Macy 's and others* promises all these discounts but do n't even offer discounts for the perfumes and makeup I buy from them! Their products are cheaply made like from someone in XXXX or somewhere, that hates U.S. Then they turn around and sell it at an overpriced price and on top of that do all kinds of extra charges in interest and bill payments. I 'm not in accounting but when I overpay it drops my payments, and is supposed to pay off more cheap products than interest! I saw better things offered in XXXX than these places offer in America, online. I 'm so mad I finally had to say it again. Macy 's was very nice to me, but their accounting probably needs an IRS Audit. And again, for their products! Who made this junk and why are they selling it so high? At my yard sales no one wants it, they just judge me. And I ca n't return the unopened products because I bought them awhile ago.

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 2017-10-01 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: NC

Complaint narrative:
I JUST RECENTLY SUBMITTED A DISPUTE TO EXPERIAN AND EXPERIAN TELL RESPONSE TO CFPB IS THAT THEY NEED A COPY OF SS CARD DRIVER LICENSE AND A COPY OF UTILITY BILL I HAVE SENT THIS TO EXPERIAN TWICE CERTIFIED AS WELL AS NOTARIZED HOW MANY MORE TIMES ARE THEY GOING TO KEEP GIVING THIS EXCUSE CERTIFIED MAIL SENT TO EXPERIAN HAD TO BE SIGNED SO THEY RECEIVED A COPY OF MY 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 non-monetary relief
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: PA

Complaint narrative:
Back In XX/XX/XXXX I purchased various products from XXXX XXXX of XXXX, these were Licensed XXXX XXXX products with a 1 year warranty. {$610.00} Transaction ID : XXXX. One of the items was defective ; {$300.00} ; i tried in vein to either get replaced or upgrade or money returned by merchant and Manufacturer ( XXXX XXXX one in the same ) within the warranty period! I also filed a dispute claim within the warranty period with XXXX XXXX XXXX. Ironic is n't it! XX/XX/XXXX At first they said they could not find transaction ; XX/XX/XXXX convenient for them ; then they filed a second new claim for an improper amount on {$350.00} on XX/XX/XXXX. Then they had a fraudulent investigation for an incorrect reason for dispute with a answer from merchant dated XX/XX/XXXX Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX that they were reversing the provisional credit of {$350.00} and that I continue to work with Merchant to resolve matter. I have been dealing with Card Member Service who  on letter dated XX/XX/XXXX that they would report this to consumer reporting agencies unless I paid the amount listed above. ( Illegal under the Fair Credit Billing Act )? I have since had a conversation with the office of the president who said under XXXX rules my original complaint should have never been taken and that the two complaint are n't the same and blaming XXXX Rules ; while they offer me increased credit line and points plus giving away free XXXX 's every month but they XXXX XXXX XXXX US Bank ca n't make XXXX XXXX make good on my defective merchandise! My contention and legal question is even if they should have never took the original complaint or the fraudulent second complaint they devised they did and this alone nullifies any so called Rules or Regulations. We will be going to Court! I will not be paying this charge or any accrued interest attached to this charge!

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 2017-10-01 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:
I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, TransUnion and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

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 2017-10-01 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: NY

Complaint narrative:
I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, XXXX and Experian. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

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 2017-10-01 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : 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 2017-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: GA

Complaint narrative:
I have contacted Second Round LP in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX XXXX XXXX XXXX XXXX. I have asked Second Round LP XXXX TIMES to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXXXXXX XXXX XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports. They have responded with letter saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 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: NC

Complaint narrative:
Three years ago, I was told by a car dealership that I had a freeze put on my Equifax account that I did not put on there. After calling multiple times trying to explain what was going on ( there was a definite language barrier as the people I spoke with had a deep accent and they had to ask me multiple times to spell my name and for my social security number ), they asked me to send in my information to the Georgia office to verify my identity. After doing that and a few months, I received a letter stating they could not read the copy of my drivers license or social security card and asked me to send another copy. I have sent that in again and I never heard anything for months now. I have not been able to apply for a car loan in this time. I need to verify my information in a timely manner and remove the freeze I never placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent, unauthorized and do n't belong to me. I never applied for a XXXX credit card account. The balance of {$4300.00} is fraudulent charges/transactions.

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 2017-10-01 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: IL

Complaint narrative:
In XXXX of 2017 my identify was stolen and credit inquires from XXXX XXXX and XXXX XXXX were submitted to my account. In addition, new employement information for XXXX XXXX on XXXX XXXX in XXXX was added to my account at both Transunion and XXXX. This information is incorrrect. I have repeatedly tried to have this information removed by contacting the credit bureaus and even the car dealership and XXXX XXXX but I have been unable to have this fraudulent information removed from my account. The credit bureaus seem to have intentionally thrown up every kind of barrier imaginable to make it virtually impossible to have my credit fixed even though I 've subscribed to XXXX XXXX worthless credit monitoring service. We need new legislation to make this scumbag organizations accountable.

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 2017-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased a car on XX/XX/XXXX, financed through XXXX XXXX for {$15000.00}. As part of the purchase, I got GAP coverage from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , IL XXXX. 
On XX/XX/XXXX I was involved in a collision where the car was totaled. My regular car insurance paid {$5200.00} and the GAP coverage paid {$3100.00}. Per the paperwork I 've included, the GAP contract amended my loan contract so that " in the event of a total loss my lender agreed to accept my physical damage insurer 's settlement, as of the Date of Loss, as full settlement of your loan account. '' Date of Loss is clearly stated as XX/XX/XXXX. 
XXXX XXXX has issued derogatory information on all three of the major credit bureaus, forcing me to get a terrible interest rate on my new loan for my replacement car. They are saying I am 90 days late and recently marked my account as a Charge Off. They have given me no reason why my GAP contract is void other than saying over the phone " You should made sure the GAP payment came faster. '' How can they say this when my GAP contract clearly states the original loan contract has been amended? 
I sent this identical information to XXXX XXXX XXXX XXXX and they have been virtually unresponsive. The only response I 've gotten to the disputes I 've sent them was that they are unable to use the documents I 've sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I bought a used car from XXXX XXXX in XXXX, Virginia through Consumer Portfolio Service, Inc ( CPS ) .. The loan was approved through the dealer on this date and I took delivery of this vehicle, XXXX XXXX XXXX. 

On XX/XX/XXXX I received a voice mail from CPS stating they needed information about XXXX direct deposit on banking statement. I called CPS on XX/XX/XXXX at XXXX the guy who answered stated his name was XXXX, I called later and his voice mail said, XXXX XXXX ( not sure of spelling ). XXXX XXXX asked how much did make from XXXX and how often did I work for them. I told him my loan was based on my retirement not on XXXX. I asked him why he needed this information and I did not understand. XXXX XXXX asked if he put me on hold to ask a question. He came back a minute later and stated, " I do not need this information, everything is fine ''. 

Later this day I received a call from XXXX XXXX from XXXX XXXX, Financial Manager, whom stated CPS called and said the financing for the vehicle fell through because I refused to give CPS  information concerning XXXX. This was not true since XXXX XXXX stated he did not need this information. 

The last time I XXXX for XXXX was XX/XX/XXXX. In the two ( 2 ) weeks since I bought this car on XX/XX/XXXX, I have not XXXX for XXXX. 

CPS lied and slandered my name when they reported to XXXX XXXX that I refused to give them information about XXXX.

Company response to consumer: Closed with explanation