vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 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: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2020-09-21 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: FL

Complaint narrative:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Did not authorize credit pulled.

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 2020-09-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i had sent a dispute letter to all three credit bureaus regarding an account that i did not recognize. after 30 days, i re-imported my credit report into my software and noticed that XXXX and Experian both re-imported this account, however, they changed the name as it appeared and submitted as a new account. How is this possible and is it even legal?? how can you delete something and then resubmit it as a new 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 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
We refinaced our car loan with XXXX in XX/XX/2019. Kia Mortor finance never released the title to XXXX and haven't released it to us either. Now their phone system just hangs up on 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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a rewards balance of XXXX that I want to credit myaccount balance. They wont let me redeem at all. No online access so i called on 5 different occasions with the last being Mon. XXXX XXXX, 2020 and when I try to redeem it always says unavailable. Their branches are not open by appt. only. i have over 5 types of accounts which i am thinking of moving everyone.

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 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i sent Equifax and XXXX  a letter XX/XX/2020 disputing the negative items reporting on my credit report that is hurting my score and causing my great grief by not acquiring anything. Its old accounts that still reporting more than 7 years, which is a violation and the rest are inaccurate and incomplete.I have left you a copy below with proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax should not be reporting that I am XXXX XXXX XXXX days late on the XXXX/XXXX partial account numbers : XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I bought a XXXX XXXX XXXX vin XXXX on XX/XX/XXXX from XXXX XXXX   XXXX XXXX XXXX, the purshase price was {$4400.00}, but they added an optional gap contract {$800.00}, vehicle protection plan ( vpp ) {$2800.00}, vehicle care protection {$110.00} from XXXX XXXX XXXX XXXX of FL, so the amount financed went up to {$9300.00}. The total cost was {$19000.00}, when I contacted the dealer to cancel the optional charges they told me they can't do anything about it, and my only choice was to pay the loan on time for one year and then refinance it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
hello, I am asking for help with Citi. I have closed my account and paid more than the amount that was owed by more than 30 % as a sign of good faith. They continue to insist that I owe more late fees, that they are charging for late fees in previous statements. Here is a breakdown of the events. 

I paid off my card and cut it up at the end of XX/XX/XXXX. Unfortunately, I had entered the card information for XXXX and forgot about it, so when it came time to add money to the XXXX account on XX/XX/XXXX, they automatically charged {$25.00} to my Citi card. I didn't even realize there had been a charge to this card, and XXXX charge an additional account refill on XX/XX/XXXX, resulting in a total of {$50.00} total charges on this card I thought had been destroyed. Additionally, Citi charged me a {$25.00} late fee on the {$25.00} charge, because I didn't pay that charge ( not knowing there had even been a charge to the account ). 

I then got a call from Citi on XX/XX/XXXX, and was informed by them that my account was overdue. Surprised, I nevertheless paid the {$25.00} charge, and {$25.00} late fee. It was not made clear to me at the time that the balance was {$50.00} + {$25.00} late fee -- I thought the {$50.00} paid the account. I then called and closed the account using the automated service. 

You can imagine my surprise when I again got a call from Citi on XX/XX/XXXX, saying that the account was overdue, and I owed {$81.00} now! I was made aware that there had been 2 charges to XXXX at this time, not 1, and so made another payment of {$25.00} in order to attempt to resolve this dispute. 

At this time, they continue sending me bills for an account that I closed on XX/XX/XXXX, and paid in full the amount I thought was due at the time. They continue charging me late fees on a closed account. I don't want this situation to affect my credit rating, but I feel it is unfair and unreasonable to ask me to pay late fees on top of late fees on top of late fees for a mistake that was primarily theirs.

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 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Back in XXXX, XXXX XXXX attempted to collect this debt, this is not my obligation. I demanded a debt validation, it was removed from all reporting bureaus. 

Then in XX/XX/XXXX it reappears again on my credit file, Midwest Recovery is reporting it this time. So I do the same, dispute it on all credit bureaus and mail a direct dispute to Midwest recovery. I have attached a copy of this letter. 

It was removed off XXXX and XXXX, but it is being reported twice on XXXX, exact same collection account, different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MD

Complaint narrative:
The debt doesn't belong to me and I have no knowledge of how it got there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
The long and the short is Wells Fargo reported a car that I had as a charge off ( bad debt ) the car in fact was totaled by the insurance company and was paid off in 2017. The credit bureaus did an investigation and still list it as a bad debt based in the information from Wells Fargo. Wells Fargo says they can not help the misinformation since they know the car was paid in full and say its a credit bureau issue. I had the credit bureau do an investigation and Wells Fargo still reported as a bad debt, as of two days 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 2020-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I am, at present, unable to pay my revolving credit card debt and continue to pay my basic living expenses as well. I'm aware that I may owe this debt and do not intend to be reminded be Citi Bank - Best Buy Credit Card, the ( " Creditor '' ), through repeated phone calls, text message, emails and correspondence that I do owe it. Such tactics are nothing more then pressure harassment that will not be tolerated. Currently, there are no issues or specific instances to detail as the account is paid current up to XX/XX/2020, however ; I will not be making payment going forward. Therefore, this complaint is intended to preemptively stop the " Creditor '' from engaging in the harassing collection tactics mentioned above. It is respectfully requested that the " Creditor '' recognize this complaint as a formal " Cease and Desist '' from all collections efforts. Violations of this request after XX/XX/2020, will be considered a violation of this " Cease and Desist '' and will be handled as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TX

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-21 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Did not authorize credit pull

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 2020-09-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company will not respond to the issue. They are sending all kids of responses that do not deal with the fact that their investigation did not happen during the allotted 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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I recently pulled my credit report and found several accounts that I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
i sent XXXX  and Transunion a letter XX/XX/2020 disputing the negative items reporting on my credit report that is hurting my score and causing my great grief by not acquiring anything. Its old accounts that still reporting more than 7 years, which is a violation and the rest are inaccurate and incomplete.I have left you a copy below with proof

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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC.
State: MS

Complaint narrative:
I NOTICE THREE COLLECTIONS FROM HMC GROUP ON XX/XX/2020, SO I RESPOND IT TO THEM ON XX/XX/2020 REGARDING THE ALLEGED DEBTS OF : XXXX, AND XXXX THAT I DON'T OWE.I HAVEN'T RECEIVED ANYTHING AS OF YET AND I HAVE ATTACHED A COPY OF THE LETTERS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of 2019. I would not need to get cable plus I live at XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, sequium assesses solutions and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: William D. Meeker Enterprises, Inc.
State: AL

Complaint narrative:
Didnt authorize credit pull

Company response to consumer: Closed with explanation