vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dates : XX/XX/XXXX and XX/XX/XXXX Amount : {$1700.00}. 
Falsely reporting inaccurate information to Credit bureaus. 
Company reporting false information : JEFFERSON CAPITAL SYST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, 2018 Amount owed {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: KEYCORP
State: IL

Complaint narrative:
Received an Illinois unemployment credit card on from key bank cards XXXX. XXXX XXXX XXXX Ohio XXXX and did not file for unemployment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED 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 2021-01-09 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED 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 2021-01-09 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:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent out a 609 FCRA letter on XX/XX/2020, to ALL three credit bureaus to remove all inaccurate items and items I never gave permission to be reported. It has been well over 30 days and I have not received any investigation results.

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 2021-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent out a 609 FCRA letter on XXXX XXXX, 2020, to ALL three credit bureaus to remove all inaccurate items and items I never gave permission to be reported. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: VW Credit
State: MD

Complaint narrative:
I had one of the XXXX diesel vehicles that was bought back in XXXX of 2017. The account still reflects being open on my credit report when it should obviously be a closed account. The balance reflects XXXX  which means it was updated appropriately, but the account there is no reason for the account to still be open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 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: COMMERCE BANK
State: OH

Complaint narrative:
On XX/XX/2020 I applied for a credit line increase on my XXXX Visa Signature card with Commerce Bank. Commerce Bank notified me that they were unable to pull my credit report because of a security freeze. I informed Commerce Bank that they in fact did pull my XXXX  credit file on XX/XX/2020. Upon investigation by Commerce Bank, I was informed that there was no credit pull made by Commerce Bank on my XXXX  credit file. Commerce Bank indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from XXXX. At this time, I notified Commerce Bank I was unwilling to do so and that the credit inquiry made by Commerce Bank on XX/XX/2020 should be removed, as Commerce Bank indicated that they were unable to process my credit line increase because they did not receive a credit report from XXXX  on XX/XX/2020. Commerce Bank did not process an application for a credit line increase on my XXXX Visa Signature card and therefore the inquiry made by Commerce Bank on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from Commerce Bank that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: PA

Complaint narrative:
I disputed my XXXX account in XX/XX/2021 because the account is too old to remain on my credit report. It has been 7 years since date of first delinquency. I received an email stating the investigation was completed, however when I followed the link to check the dispute results, nothing had changed. There was a box that said " Here are the results.. '' and nothing was listed as changed.

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 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: MI

Complaint narrative:
On XXXX, I applied for a Union Bank Platinum Visa Credit Card, and received an immediate approval ( " Congratulations! Your application for the Non Rewards Card has been approved. You have been assigned a credit limit of {$10000.00} '' ). As part of the application, Union Bank asked if I " would like to request a Balance Transfer to your new Union Bank Credit Card '', which I agreed to. On that day, MUFG UNION BANK NA began reporting the new account to the credit agencies. 

On XXXX, I received a letter dated XXXX confirming that my " application has been approved. Your new card should arrive in the mail within the next seven business days ''. Also on XXXX, I received a new credit card. The account number ends in XXXX. 

I tried to activate my card online following the provided instructions, but the website would not let me due to an error. I called Union Bank for assistance, and I was informed that my account had been closed due to a suspicion of fraud linked with a balance transfer request. 

I was surprised by this for several reasons : 1. Union Bank had specifically advertised this credit card as having a " Low INTRO APR ON PURCHASES AND BALANCE TRANSFERS ''. 
2. The balance transfer request submitted as part of the application process. 
3. I received two confirmations that my application had been approved ( instantly after the application was submitted on XXXX, and in writing by a letter dated 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 2021-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent a letter to the creditor as well that states their letter that you are reporting this account accurately. Well, I disagree. I would like to see all documents you used to verify the account listed above. Please dont send me a simple letter stating that you have already verified the accounts ; I would like to see real proof. Pursuant 15usc 1692b ( 2 ) no state that such consumer owes any debt. This issue has become a problem, your corporation has ruined my reputation and this is a violation under 15usc1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Please be so kind and delete this false and alleged information from all my consumer reports and I demand an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I made a XXXX transfer of {$210.00} through my mobile Bank of America app, to a believed to be legit business on XXXX known as, XXXX XXXX. 

On XX/XX/XXXX I made another transfer to XXXX  XXXX  for shipping cost through USPS. 

On XX/XX/XXXX I received the goods purchased through XXXX XXXX, the site advertises selling authentic name brand clothing and shoes. Upon opening the product, I realized the provided product was what I ordered nor was it authentic. I immediately contacted the seller, approximately 3 hours after the delivery. I told the business that I will be returning their product back to them the same day and that I would like a refund. The business had since continued to respond to my email, but will not ensure my rightful refund. 

This same day I contacted Bank of America, the specialist on the phone gave my a number to talk with the disputed charges team for XXXX. I told the specialist that I do not understand why if I sent my money from Bank of America why I needed to go through someone else for my name. It is the weekend and I am unable to call XXXX, and Bank of America has not offered any help as to how I can get my money back. I have reported this business to the FTC and will also be filing a police report.

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 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UHG, LLC
State: NV

Complaint narrative:
I do not have a contract with this company. They are trying to say I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
THIS CAPITAL ONE AUTO FINANCE IS CLOSED ENDED AND CHARGED OFF AND XXXX  AND XXXX  CONTINUES TO UPDATE THE REPORT. THEY CAN NOT HAVE LATE PAYMENTS, PAST DUE, NO LIMIT, NO PAYMENT STATUS AND NO BALANCE UPDATED AFTER CLOSED THIS IS A VIOLATION. 
XXXX  XXXX XXXX XXXX REPORTING THE SAME ON XXXX  XXXX XXXX REPORTING LATE AND WAS NEVER LATE BUT THE REPORT SHOWS PAID AS AGREED THIS IS A VIOLATION NEEDS TO BE REMOVED XXXX XXXX XXXX XXXX-CLOSED ACCOUNT ON XXXX  DIDN'T BELONG TO ME AND THEY WONT PROVIDE ME ANY INFORMATION THAT THIS BELONGS TO ME. I HAVE SENT TO XXXX  A SIGNED AFFADAVIT AND THEY STILL SAY THIS BELONGS TO ME AND WILL NOT PROVIDE ME ANY PROOF OR DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: OH

Complaint narrative:
On XX/XX/2020 I applied for a credit line increase on my XXXX XXXX XXXX card with XXXX XXXX. XXXX XXXX notified me that they were unable to pull my credit report because of a security freeze. I informed XXXX XXXX that they in fact did pull my Transunion credit file on XX/XX/2020. Upon investigation by XXXX XXXX, I was informed that there was no credit pull made by XXXX XXXX  on my Transunion credit file. XXXX XXXX indicated in order to process my credit line increase, I would have to remove my credit freeze and allow them to pull a credit report from Transunion. At this time, I notified XXXX XXXX I was unwilling to do so and that the credit inquiry made by XXXX XXXX on XX/XX/2020 should be removed, as XXXX XXXX  indicated that they were unable to process my credit line increase because they did not receive a credit report from Transunion on XX/XX/2020. XXXX XXXX did not process an application for a credit line increase on my XXXX XXXX XXXX card and therefore the inquiry made by XXXX XXXX on XX/XX/2020 was unauthorized. As of this date, I have not received any written notification from XXXX XXXX that it processed a credit line application from XX/XX/2020 which would be a violation of the Fair Credit Reporting Act if in fact the Bank had processed an application.

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 2021-01-09 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.

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 2021-01-09 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My XXXX XXXX XXXX # XXXX the dates were XXXX, XXXX - 2020, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10 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: CA

Complaint narrative:
I have been disputing the following inaccuracies since early XX/XX/2020 which can viewed directly through the Consumer Financial Bureau from previous complaints I have submitted regarding this same issue. On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX. the reported account number that is shown in connection with this inaccuracy is # XXXX. This account was dismissed by a License California Judge court ordered dismissal yet they refused to remove this account on several occasions dating back to XXXX of 2020 when I first dispute this account the credit bureau will temporary remove the account off of my credit file and then weeks later add it back which I have proof of, They have done the same with other inaccurate accounts such as XXXX XXXX XXXX  which has been paid off since XXXX XXXX which I have provided the receipts proof of to the credit bureau once again they refuse to completely remove their inaccurate information provided on this account and keep it off of my account they will once again remove it for a couple of weeks and the add the inaccurate information back. Credit bureau has also reported XXXX XXXX  as a delinquent /closed account which is inaccurate I provided them with the proof of the paid off account several times via digital through the CFPB and by physical mail yet they refuse to remove this account as well since early XXXX of 2020 also temporary removing the inaccuracy just to add it back a couple of weeks later.

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 2021-01-09 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED 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