vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at XXXX  and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} ( for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My Vantage Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade C '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!

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 2021-04-21 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower loan has run my credit several times and i have not tried to take out a loan or given them permission in any way to run my credit. I reached out to them and they have denied running my credit.

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 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter on XX/XX/2021 from XXXX XXXX XXXX XXXX stating that I owed PayPal Inc. a debt of {$1200.00}. I have never made a purchase of this amount using PayPal and I need this to be disputed. I do not have a PayPal account and I have never made one before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I recently tried to tried to log back into my Capitol One account online so I could reactivate my credit card as I need it for some vehicular purposes. My regular username and password did not work and so I put in other personal information and once I did, the page listed a number that I needed to call to fix the issue. 

I eventually got through to an " operator '' who said that he could handle the issue then asked for my name, date of birth, and social security number, which I naively gave, then he hung up. I googled the number, which is XXXX, and there were a list of complaints of suspected phishing and scam attempts. 

I then called the number on the back of the credit card and put in the 16 digit card number and was immediately transferred to another company and a lady answered, asking for my bank account number and social security, which I then hung up. 

Now I'm a little worried. Even help would be much appreciated. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
someone stole my information to apply for loans account - XXXX XXXX in the amount of {$1000.00} opened on 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 2021-04-21 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-04-21 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX issued a credit for {$2400.00}. Credit never posted to my account and on XXXX XXXX I contacted XXXX XXXX XXXX  requesting help to locate the credit. They referred me back to the merchant. On XXXX the merchant sent me a receipt with an authorization code and the transaction date and time. I sent these to XXXX XXXX vis their secure website and they responded they would look into it. I never heard back from them and XXXX XXXX sold their credit card to US Bank. XXXX from US bank contacted me on XXXX requesting I fax her the documentation that I had. It was faxed on XXXX and confirmed it went OKXXXX XXXX contacted me on XXXX stating she had not received the fax and would like it to close the file as the original transaction was too old to dispute and could not help me about the missing credit. I told her I wasn't disputing the transaction as it was legit and the merchant submitted a credit for the trip cancellation. I would like to know how I can get someone to determine where the credit for {$2400.00}. was posted. I would think that the bank would have someway of going to XXXX XXXX to determine what happened to the transaction as the receipt from the merchant showed it to submitted electronically with an authorization code. It is very frustrating that the electronic banking and XXXX XXXX XXXX can not trace a transaction through their system and apparently could care less as they do not have to handle it like a disputed transaction. Documentation attached

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 2021-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter on XX/XX/2021 from American Coradius International LLC stating that I owed XXXX XXXX a debt of {$1200.00}. I have never made a purchase of this amount using XXXX and I need this to be disputed. I do not have a XXXX account and I have never made one before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX  - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like 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 non-monetary relief
Consumer complaint received 2021-04-21 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: MD

Complaint narrative:
After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX Transunion, and XXXX but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.

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 2021-04-21 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On today 's date XXXX XXXX 2021 Wells Fargo Credit falsely reported that I was 30 days late. In which I was only {$12.00} short on 12 of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.

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 2021-04-21 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: Netspend Corporation
State: IL

Complaint narrative:
Received a brinks money prepaid debit card with a routing and account number, not sure how or why, i didnt sign up for anything and i dont have a bank account yet.

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 2021-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX - Inquiry date : XX/XX/202XXXX XXXX - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like 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 2021-04-21 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: CA

Complaint narrative:
There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2020 XXXX Inquiry date : XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX - Inquiry date : XX/XX/ 2020 XXXX - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XXXX XXXX, 2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial System is attempting to collect a debt from 2014 for a medical bill in which I was on XXXX that covered everything. The collection agency comes years down the line, without proper notice, and places on my credit report. 

Because they apparently could not have billed the insurance company timely it is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: MI

Complaint narrative:
I have a {$300.00} collection from XXXX by XXXX showing on all three credit reports. I never had a balance with XXXX, yet it is being reported. I have disputed repeatedly to no avail. I have received a letter in the mail from my insurance company proving that I have a XXXX  balance and have always had a XXXX  balance, because my health insurance paid the bill in entirety. XXXX also has a XXXX balance on file for me. 

I feel that if basic due diligence requirements were followed by the three credit reporting agencies, this invalid information would not be on my report. If anyone had taken the time to actually inquire with WellStreet/Beaumont, they would have discovered that I do not, in fact, have a balance owed. 

This collection caused me to be declined for a vehicle and forced me into paying a higher car note. All I've received is a letter saying " we apologize for any inconvenience ''. My financial life has been ruined for 2 years because of a mistake on someone else 's end and someone should pay for this. " we apologize for any inconvenience '' is simply not good enough.

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 2021-04-21 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: MD

Complaint narrative:
After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX, XXXX, and Equifax but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
XXXX claims there was a account opened on XXXX XXXX, 2020, these accusations are false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CA

Complaint narrative:
There are XXXX accounts and 3 inquiries that are on my credit report that in no way belong to me I was surprised when I saw this I need this taken care of please since the bureaus are not very respondent and they are not helping me after multiple letters and disputes regarding this. 

XXXX XXXX XXXX - Acct # XXXX {$22000.00} XXXX / XXXX - Acct # XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX # XXXX {$8400.00} XXXX XXXX- Acct # XXXX {$0.00} XXXX- Acct # XXXX {$0.00} Inquirires XXXX - Inquiry date : XXXX XXXX, 2019 XXXX - Inquiry date : XX/XX/2019 XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/2019 2019

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 2021-04-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I have a collection that is being reported to XXXX by Ideal Collection Services in the amount of {$9200.00}. This collection is being reported in error. It is a duplicate of a collection that was removed on XXXX XXXX, 2021, for the same amount. They removed the original reporting from all three agencies ; however, the duplicate that was reported to XXXX was never removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has all of a sudden started charging me a $ 12 monthly maintenance fee on my checking account and an $ 8 monthly maintenance fee on my savings account. I've had my account for a number of years without these fees being charged.

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 2021-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XXXX XXXX, 2021 I notified Bridgecrest that they open loans without my knowledge or authorization. I informed them that I was a victim of Identity theft. I received a letter from Bridgecrest on XXXX the XXXX, 2021 requesting police report, notarized identity theft affidavit, government issued ID and my social security card. I sent certified a letter on XXXX XXXX, 2021 with all the information Bridgecrest asked for. I received the same letter from them on XXXX XXXX, 2021 requesting the same documents. I sent another certified letter on XXXX XXXX, 2021 with police report, notarized identity theft affidavit, government issued ID and my social security card. I have not received a release of liability for the fraudulent account. I will be certifying and sending all the documents to Bridgecrest on XXXX XXXX, 2021.

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 2021-04-21 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: TN

Complaint narrative:
On today 's date XXXXXXXX XXXX  2021 XXXX XXXX XXXX falsely reported that I was 30 days late. In which I was only {$12.00} short on XXXX of the month of XXXX. The first problem the don't have a 30 day bill cycle they have a 28 day cycle. The late charge jumped from {$12.00} to {$140.00} from the 12 to 21 is on 10 day not 30. They went back took out money paid in XXXX and XXXX and wanted it on the XXXXXXXX XXXX 2021. I went in to complain in their system they remove/stop my option to complain tab away. Now I can only inquire not complain. 
1. False 30 days late hitting my Credit reports 2. Removed my ability to complain from their website 3. Terms tossed around Delinquent and bring current on 10 days not 30.

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 2021-04-21 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of XXXX late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.

Company response to consumer: Untimely response
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted multiple complaints/disputes to XXXX, equifax and XXXX in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.

Company response to consumer: Closed with explanation