vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 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: GA

Complaint narrative:
There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$0.00} ( XXXX and XXXX ) XXXX - XXXX XXXX XXXX - Bal : {$1300.00} ( TU, XXXX, XXXX ) UNKNOWN - XXXX - BAL : {$75.00} ( XXXX ) XXXX XXXX - Bal : {$1000.00} ( XXXX ) XXXX XXXX - Bal : {$0.00} ( TU and XXXX ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX/XXXX - I was never 30 days late Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-04 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: GA

Complaint narrative:
There are several items reporting on my credit file as a result of identity theft. The following items are not mine : Names : XXXX Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$0.00} ( XXXX and Experian ) XXXX - XXXX XXXX XXXX - Bal : {$1300.00} ( XXXX, Experian, XXXX ) UNKNOWN - XXXX - BAL : {$75.00} ( XXXX ) XXXX XXXX - Bal : {$1000.00} ( XXXX  ) XXXX XXXX - Bal : {$0.00} ( XXXX and XXXX ) The following late status is incorrect. Please remove the following inaccurate late reporting from the following accounts : XXXX XXXX - I was never 30, 60, 90, 120 days late XXXX/XXXX - I was never 30 days late Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Electronic payment was made to credit card account on XX/XX/2020. On XX/XX/XXXX, I requested that the funds be applied to raise available credit limit. XXXX XXXX refused citing large payment ( under {$5500.00} ) and new account ( under 30 days ) stating a 10 day " float '' was policy. I requested a more complete explanation of the process involved in the alleged " while we wait for the ( electronic ) payment to clear with the other institution. '' I also questioned the applicability of 12 FCR 229.13 ( 1 ) vs the applied 10 day " float. '' The second reply ignored the request for a more complete explanation of the payment clearance process and simply stated " it typically takes 5-7 business days for payments to fully clear the other institution. '' The credit union also ignored my request of how funds availability mandated under 12 FCR 229.13 ( 1 ) applies to the electronic payment.

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 2020-12-04 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: AZ

Complaint narrative:
I originally submitted a dispute to the CFPB on XX/XX/2020 and below is the XXXX. excuse as to why Experian does not want to serve my needs. I am so offended of the stall tactics. I demand all of my issues on the letter enclosed get served. Experian is non compliant and I am ready to pursue legal action. SEE EXPERAINS WRITTEN RESPONSE ENCLOSED : Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. COMPLAINT NUMBER FROM CFPB= 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 2020-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

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 2020-12-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: PA

Complaint narrative:
XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

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 2020-12-04 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: Colony Brands, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied with XXXX XXXX and ordered a product. Upon receiving the merchandise the product were defective and I returned the product. In XX/XX/2020. XX/XX/2020 I received a call from from XXXX XXXX says that I owe their company {$47.00} for the shipping and return of the product. I explained to the rep that the product defective and I returned it and didn't agree with the charges and that's when I were told that I would be given a credit of {$47.00} the amount owed and didn't have a balance. In a rebuttal of me asking for the credit they company added another credit inquiry one my report on XX/XX/2020 in my XXXX credit report I called XXXX that showed on my XXXX account for XX/XX/2020 and were told they pulled my credit for XXXX XXXX and I need to call the credit bureau to have the account removed from my credit. I called XXXX and were told they couldn't remove the inquiry with it shows 2 times in on month just call the company and they can electrically removed and that they would make adjustments. I called XXXX XXXX and were told by the account manger by the name of XXXX XXXX she said she didn't see that my credit inquiry twice nothing she could do after being placed on hold for over 50 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX XXXX I was sued by Capital One, I was never served. I had been living at the same address for 5 and a half yrs. during the time of the filing. I only became aware of the judgement when they attempted to garnish my wages. It was a nightmare as well as an embarrassment. My employers Business Mgr. gave me the information, I told her I would take care of it immediately. I called the attorney, XXXX XXXX and paid the amount he gave me. I should have asked for back up information what I was paying for but the judge had already made his judgement. I received a letter from XXXX XXXX confirming that payment had been made. At some point in XXXX I must have accepted an offer for a credit card from Capital One again & I accepted. But confusing things started happening ; like getting emails telling me my card that they said had only a {$450.00} balance, was now over by {$300.00}. The email referenced a card ending in XXXX. I checked and that was my card, but my statements said I had a {$750.00} credit limit. I emailed my confusion but never heard back. I rarely used the card because the interest was very high. I didn't pay much attention to any emails from Capital One as I new I had a XXXX balance and the card was due to expire around the time our house burned down. We lost everything but 3 days later I went back to the house and did a little, careful walk thru just the part that was safe. I tried to find important documents, etc. I was able to collect a few boxes of singed paperwork & a few family photos & military items, that was it. That's where I found the judgement & letter. I've been working on my credit for a few yrs. now. I've tried to contact Capital One by mail. They keep sending monthly summaries for that card that should have expired in XXXX. If they sent out a new card I never received it. I don't think anyone did, but if it wasn't activated why do they keep sending me summaries XXXX which all say {$0.00} balance )? But they are constantly running inquiries on my credit reports, all 3 and I want them to stop. I don't want any credit from Capital One. I haven't applied for anything from them, I don't owe them anything ; I'd like to know if it's legal for Capital One to just keep running inquiries? I have attached all the documents backing up everything I have mentioned here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I got a Home Depot credit card around XX/XX/2020. I used my credit card and pay off in every stamens, I start getting calls they said from XXXX XXXX saying that I owe money to Home Depot, so was weird and I contact Home Depot and they told me that I dont have any balance ; I notice that my credit score was going down, so I decide to request my credit report and I found that I have 2 open accounts from Home Depot and I havent paid one of them, that account was open on XX/XX/2020, is named as XXXX/CBNA, account number XXXX account type : Revolving Charge Account, on XX/XX/2020 has a balance for XXXX. Has a XX/XX/XXXXXXXX XXXX XXXX, SD XXXX. This account its not mine. I called XXXX  and they suggest me to contact you, thank you for your attention.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear CFPB, XXXX XX/XX/2020 i had sent certified mail with return to XXXX, XXXX and TransUnion about some of the inaccurate personal information on my consumer report. 
These above named information contain errors so i requested that they be removed from my credit. It's been almost two months now and i haven't received a reply back from the bureaus about my request. Also these erroneous information remain on my consumer file hurting my ability to obtain credit. Please find attached copies that sustain my complaint. i have attached them for your review. 
thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
Received a letter from debt collection company name ARS National Services Inc. We do not know where this amount coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: AZ

Complaint narrative:
Please refer to FTC Report # XXXX Identity Theft regarding Covid19 Unemployment Compensation. 
On XX/XX/2020 I received alerts from Experian, XXXX, XXXX Card, and XXXX XXXX  regarding a hard credit check that had been process using my name and social security number. 
While reviewing my XXXX Credit Report I found an wrong address under my name. The fraud account was placed under : XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ. XXXX. A fraudulent telephone number using my name was also on the report. Number XXXX. XXXX said that the fraudulent address belong to a company called XXXX XXXX. 
While reviewing my Experian Credit Report the fraudulent telephone number also appeared in the report under my legal name. XXXX. 
The fraudulent credit card was from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX and also from XXXX XXXX/XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, UT, XXXX Telephone XXXX. 
I telephone XXXX XXXX XXXX Fraud line at XXXX and reported the Fraud. They told me that the credit card was not issued.

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 2020-12-04 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: CBC Companies, Inc.
State: CT

Complaint narrative:
XXXX XXXX there is two inquiries, XXXX XXXX inquiry, and XX/XX/2020 inquiry, XX/XX/2020 is also a inquiry I have no knowledge of doing. This was done without my knowledge and without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} ), she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
This bank it giving me a hard time first they told me to apply online I do and I told them I have a fraud alert to process my application they must verify my identity they then tell me to send them my license which I have and they still have not opened it instead keep me on hold and application this is nkt fair instead of processing my identity and having the account opened

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 2020-12-04 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-XX/XX/XXXX- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -TransUnion- Company and date of unauthorized Inquiry XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized InquiryXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXXXX/XX/XXXXBusiness CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX XX/XX/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 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-Equifax- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized Inquiry XX/XX/XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXXCompany and date of unauthorized InquiryXX/XX/XXXXBusiness CRED - XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX US SM BUS ADMIN ODA XXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX Business CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation