vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: MS

Complaint narrative:
Recently, a Lender informed me that a Closed automobile loan on my Transunion Credit Report contained an INACCURATE Derogatory Remark ( See Attachment 1, Excerpt from my current Transunion Credit Report ) ; The INACCURATE Remark reads as, Ch XXXX Reaffirmation of Debt. In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy, which is now 9 years and 7 months old ( See Attachment 2, Excerpt from my current Transunion Credit Report ). During my Ch XXXX Bankruptcy filing in XX/XX/XXXX, I Reaffirmed this Automobile Loan ; I did not miss a payment Pre-Bankruptcy or Post-Bankruptcy filing. In XX/XX/XXXX ( 7  years ago ) I paid this Automobile loan IN FULL, at that time it was no longer a Ch XXXX Reaffirmed DEBT, but became a PAID AND CLOSED account. Both my XXXX and XXXX Credit Reports DOES NOT show this REAFFIRMATION OF DEBT remark on this same account. I disputed the deletion of this remark, on this account with Transunion some years back, and thought it was taken care of. Apparently the remark was not deleted, or maybe it was placed back on the account. This Credit Account is VERY IMPORTANT to my Credit Profile, it is my oldest ( 13 years ) GOOD STANDING credit 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 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: VA

Complaint narrative:
These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. 

Complete Credit Solutions XXXX 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 2019-09-18 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 non-monetary relief
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Hello my name is XXXX XXXX i'm a young entrepreneur trying to build my business, and credit is very important for my business to grow and this debt is hindering the growth. I have no knowledge of this debt and i have reached out to this agency and this debt still hasn't been 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 2019-09-18 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX 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 2019-09-18 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Citibank credit card comes with an extended warranty program, whereby they double the original product warranty. 

I filed a claim under this program XX/XX/2019, and submitted the required documentation. 

After that I made multiple calls and sent multiple follow-up emails to check on the status on the claim, and never got an estimate of the resolution date. On one occasion, mid-XXXX, I was promised a callback from an adjuster within two dates, but the call never came. 

The first communication from Citi after I filed this claim was XX/XX/XXXX, where they asked for the repair estimate, which I submitted as part of the original claim, but resubmitted it once again. I find unacceptable both the fact that they looked at my claim for the first time six weeks after the original submission, and then asked for the document already provided. 

Currently, almost three months after the original claim, I still dont know its status. I feel that Citi is knowingly dragging out this claim to essentially make their extended warranty benefit unusable, thereby failing to deliver on the benefit sold to us as part of the credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, Texas XXXX To Whom It May Concern : Enclosed please find a letter from Experian dated XX/XX/XXXX stating that I had placed a security freeze on my account, and giving me a pin number that would allow the security freeze to be temporarily lifted or permanently removed. If I didnt contact Experian to temporarily lift or permanently remove it, how was it possible for numerous credit card companies to obtain access to my account in order to issue credit cards to someone besides me? Enclosed please find two letters I sent you on XX/XX/XXXX and XX/XX/XXXX where you allowed this to happen previously. 

This has created a nightmare for me, since now I have to contact each individual company and convince them that I didnt authorize them to issue credit cards to these individuals because of Experians negligence. 

I would appreciate if Experian addressed the above issue ASAP,  since was done without my authorization, and also take the necessary steps to prevent this from happening again.

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 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of t
his title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CA

Complaint narrative:
EXPERIAN VIOLATES THE FCRA, DODD-FRANK AND CONSPIRES WITH THEIR CLIENT XXXX XXXX TO VIOLATE THE FDCPA. 
POST MULTIPLE DISPUTES EXPERIAN CONTINUES TO DEPICT XXXX XXXX XXXX BOTH INACCURATELY, AND INCOMPLETELY, IN IGNORANCE OF THE FCRA. 
ATTACHED IS YESTERDAY 'S XXXX DEPICTION ON A HARD COPY EXPERIAN REPORT.WHAT THE DEPICTION CLEARLY SHOWS IS THAT XXXX XXXX  INSTALLMENT LOAN LACKS A MONTHLY ACTUAL PAYMENT OR SCHEDULED PAYMENT. {$0.00} DOLLARS IS INACCURATE AS DEPICTED ... .. 
AND THE MONTHLY PAYMENT OF AN INSTALLMENT LOAN IS IMPORTANT REQUIRED INFORMATION TO ACCURATELY DEPICT ... XXXX 
WITH THE PAYMENTS MADE AND THE SCHEDULED PAYMENT, THE LOAN INITIATION FEE ( PRE-PAID INTEREST ) THE LOAN APR INTEREST RATE CAN BE DETERMINED FROM THE CREDIT REPORT.THE FIRST YEAR INTEREST RATE CALCULATION APPROACHES 150 PER CENT APR.THE CA SUPREME COURT IN 2018 CALLED THIS LOAN, FOR ITS INTEREST RATE, " UNCONSCIONABLE '' AND UNENFORCEABLE UNDER THE CA BUSINESS AND PROFESSIONS CODE. 
SO ... .STATING COMPLETE CREDIT INFORMATION WOULD FACILITATE THE MATHEMATICAL COMPUTATION OF INTEREST RATE ON A NOW ADJUDGED UNENFORCEABLE LOAN IN ANY COURT OF COMPETENT JURISDICTION. 
EXPERIAN 'S CLIENT IS A FRAUDSTER OR AT LEAST THE CALIFORNIA SUPREME COURT BELIEVES SO IN XXXX XXXX XXXX XXXX XXXX, WHERE THIS CLASS OF LOANS ( XXXX DOLLAR LOAN ) WAS ADDRESSED BY THE COURT.

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 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX  XXXX XXXX XXXX Midwest Recovery Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was told at purchase that it was 18 months of zero interest, sign here at the store and bought my laptop at {$2300.00} and made monthly payments over the 18 months. 18 months later I owe $ {$990.00} deferred interests. I had the remaining balance of {$800.00}, so i though i should be charged interests on the remaining balance. 

I contacted customer service ... no help. This was an error by the sales team to not explain the details of the promotion. They never mentioned about " the deferred interests '' at the store and I got approved my Best Buy credit card at the store by the time I made purchase. So, the sales team mislead customers about financing promotion. I see that other best buy customers complained about this issue as well. 

I should have at least mentioned about " the deferred interests ''! 

Best buy account specialist keeps saying it's all in your documents, but the problem is i got my documents after i made my purchasing decision. 

If i had know about " the deferred interests '' at the store, i would have never financed with Best Buy.

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 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a recurring payment on the credit card due date for a set amount. CAPITAL ONE decided to give me a past due fee anyways. I called, and I was able to get the fee waived as they said it was not supposed to be there. Even with the waived fee, they bumped my minimum amount due for the next month to DOUBLE. I called, and was able to talk to a supervisor ( superviser XXXX, I believe ). She told me " That's just how we do business ''. The way capital one conducts business is to hide fees, and then lock you into set payments once you find those fees. I should not have had a late fee to begin with and now they are locking me in to a payment I do not want to make this month given financial circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CT

Complaint narrative:
I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big 3 bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten ZERO responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.

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 2019-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2019, I went to find a free TransUnion credit report, but was tricked into signing up for a membership that charged {$25.00} a month. 

I searched XXXX for my transunion credit report, and followed what appeared to be the correct search result to the TransUnion webpage. I had to enter information about myself so they could identify me including name, address, ssn, credit card info. 

At no point did I see any information stating that I was signing up for a monthly billable membership service. ( Maybe it was somewhere in 0-point white font on a white background, but they successfully hid it from me ). There was no confirmation page before they charged my card. The only alert I got was in an email AFTER they accepted my account info, and had billed me for my first month. I immediately cancelled my membership, but they already charged me {$25.00} for the first month. ( An amount that is so high that either the service they provide is truly remarkable, or they only count on billing people once before being cut off. )

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