vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: FL

Complaint narrative:
XXXX XXXX XXXX appears on my Transunion credit report after I've notify Transunion of the multiple inaccuracies and Unverifiable information currently being reported. 

Name & address on debt be collected could be inaccurate and Unverifiable, a violation of FCRA rules section 1681 Account balance and payment history might be incomplete and inaccurate a violation of FCRA rules section 1681 Date of last activity could be inconsistent and inaccurate a violation of FCRA rules section 1681

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 2020-08-06 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: Santander Consumer USA Holdings Inc.
State: DE

Complaint narrative:
I had an auto loan with Santander. The vehicle was subsequently totaled. My insurance covered some of the loss while the gap insurance I had covered the remaining balance and sent the remainder owed to Santander. Santander then argued without merit that they were owed more money. Santander has put a delinquent account on my credit reports and refuses to remove them even though they are incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
The collection amount is {$300.00}. I have not been a XXXX customer since XXXX or XXXX. I was stationed overseas in XXXX when the collection account was opened. I have never been contacted or notified of a collection prior to it showing of on my credit report XXXX XX/XX/XXXX. I contacted the XXXX customer service but they said they already sold my account to Jefferson capital systems collection agency without noticing me. I didnt owe money to XXXX because when I closed my account in XXXX or XXXX, I paid all my bills over the phone with a lady from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently received a notice that Capital One has reduced my credit limit by {$4000.00}. I have been with them for an extended period of time. I have never been late nor have I had any problem with them. 

I can see no legitimate or logical reason for them to do this. 

This action taken by Capital One has now negatively affected my credit score because it has changed my Credit/debt ratio. This is through no fault of my own and the reps tell me that they are not authorized to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
Recently in doing some research on the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX University  XXXX. I never signed an enrollment agreement with XXXX University  XXXX nor did I ever sign or agree to become a former student of XXXX University. This seems like fraud to me. I do not wish to be associated with XXXX University and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX University XXXX. I do not wish to be affiliated with XXXX University XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX   XXXX XXXX  XXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$1500.00}

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 2020-08-06 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$1500.00}

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 2020-08-06 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have an account with Citibank that I opened in XXXX of 2020. With the pandemic, I was not able to switch over to the account that I opened. The account was charged a monthly fee of {$30.00} per month. I requested that Citibank reverse the fees for two months. The fees were reversed. The next thing I requested was to change my account type to avoid fees until I could switch over. Today XX/XX/2020, I was charged a {$34.00} overdraft fee for another {$30.00} account fee. I chatted with the customer service team and was told they can not reverse the fee or close my account. How can I be charged a fee for a bank fee? This is not right at all. The account has had no debits generated by 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 explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX By XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$440.00}

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 2020-08-06 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX  XXXX {$490.00} XXXX XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXXXXXX {$520.00} XXXX   XXXX {$190.00XXXX XXXX XXXXG XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX the XXXX, and XXXX Capitol One Bank received 3 IRS tax refund payment to a closed account ending in XXXX. There was a negative balance of {$550.00} dollars. After the deduction the remaining balance was {$2600.00} dollars. I never received the remaining balance due to me. Called Capitol One Bank customer service was told to filed a affidavit for lost checks. I followed those steps by filing with the branch in XXXX Va. on XX/XX/2020. The affidavit was sent from the Capitol One Bank location by XXXX XXXX XXXX notary and agent at the Branch location. I have spoken with several representative from Capitol One Bank, and havnt received a positive resolution to the matter. I, ve sent copies of the affidavit to XXXX with the ATTN to XXXX. Never responded to the two emails that were sent. Hopefully Ill have a better outcome with the help of Consumer Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH CAUSE I HAVE NEVER USED THESE ACCOUNTS OR FILE BANKRUPTCY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
MY INFORMATION WAS USED IN A DATA BREACH CAUSE I HAVE NEVER USED THESE ACCOUNTS OR FILE BANKRUPTCY

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 2020-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The company is repeatedly calling 5-6 times a day and I have told them not to contact me. They have called my work for the second time to try to collect the debt and I have already told them to stop calling me at work and various times at my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXXXXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}

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 2020-08-06 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}

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 2020-08-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had a $ XXXX CD with BBVA on line Bank. It matured XX/XX/XXXX and before that I mailed instructions to have the funds wired to my local bank. I also messaged the bank to this effect. Instructions were ignored and I was finally able to reach a rep, who said my only option was to get a paper check, sent by USPS and without a tracking number. They will take my money electronically but in XXXX they limit themselves to sending a paper check for over {$100000.00} and with no tracking number. It is now XXXX and the check still has not arrived. I called and was told the supervisors are not available and the " escalation team '' will call me in 3 business days ( that means by XX/XX/XXXX ), at which time they will probably put a Stop on the check and arrange an electronic transfer. Meantime the bank will be holding more than $ XXXX of my money with no interest paid. And I've had to spend at least 3 hours on the phone trying to fix this. The fact that they have made this simple kind of transaction into something so complicated and with deliberate delays built in is, IMO, an unfair business practice. Covid delays are not the issue here ; a badly designed system was in place before Covid.

Company response to consumer: Closed with explanation