vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/20, I obtained a new credit card, at which time Experian reported my FICO score to be XXXX. 10 days later, I was denied credit and on the denial letter, Experian reported my credit score to be XXXX. How can this be? more than 100 points difference in 10 days or less by the same credit bureau?? I am always on top of my credit and monitoring my score and report. Who oversees FICO and Experian? Consumers check their score before buying a car, getting a mortgage etc but what good is that if the information is not accurate? It could quite possibly take me 10 days to find a car I want to buy and even longer if I was looking for a house. This is unfair to the consumer. Please look into this and report fairly and accurately across the board.I shouldn't be getting an entirely different FICO score ever day. Not even close to the first number.

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 2020-06-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX  and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB : XX/XX/1992 My addition address is XXXXXXXX XXXX XXXX   XXXX FL XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am having issues with a freeze on my file that is holding up my credit from reporting my accounts properly. I have a XXXX XXXX  and XXXX XXXX  account that is not reporting to my credit file. My name is XXXX XXXX SSN:XXXX DOB : XX/XX/1992 My addition address is 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 2020-06-30 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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}

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 2020-06-30 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:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT. XXXX  XXXX {$230.00} XXXX XXXX {$4200.00}

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America Stole {$90.00} saying I owe money from there credit card online in my checking account My bank is XXXX XXXX  XXXX XXXX XXXX Massachusetts.

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 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants Adjustment Service, Inc.
State: FL

Complaint narrative:
Company contacted my ex spouse looking for me, mind you we have been divorced 12 years and have changed my phone #, and address multiple times since the divorce. My name is no longer close to his. In the conversation that he had with them they disclosed the date of my supposed medical procedure, hospital and the amount that I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
My car was stolen in XXXX of XXXX and was deemed total lost by XXXX who then paid off majority of the balanced owed on the account my Gap insurance company then reached out to Exeter on multiple occasions requesting them to send the documents needed ( payment history, contract ) in order for them to send the final payment to pay off the loan. Exeter employees repeatedly failed to send the information requested resulting in an extension of the account not being paid off. Exeter has since marked 1 late payment on my report for the month of XX/XX/XXXX. Upon finding this out I disputed the late payment directly through the credit bureau XX/XX/XXXX and they then came back and mark TWO late payments on for XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX sent Exeter {$13000.00} which would have covered any pass due balances. Had Exeter employees sent my gap insurance company the information they requested on XX/XX/XXXX this account would have too been fufilled in FULL. Due to the negligence of Exeter 's employees I am being held at fault when I was promised no late payments would be reported to my account. I hav esince called Exeter multiple time requesting they do the right thing and update the account in which they fail to do so. The late payments for XXXX and XX/XX/XXXX need to be removed as the account was satisfied in full and there would have been no late payments had Exeter done there job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
While applying for CARES ACT grant it states PNC is not allowing the accounts to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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:
I disputed the account XXXX ( XXXX  XXXX XXXX ) {$1000.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) {$1000.00} is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ) {$1000.00}. They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX ) ( {$140.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) ( {$140.00} ) is. I have never signed an agreement with XXXX ( XXXX XXXX ) ( {$140.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX ( {$180.00} ) with XXXX, Experian and XXXX and the incorrect information is still there. I do not know what this XXXX XXXX XXXX XXXX ( {$180.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX ( {$180.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX XXXX ( {$3100.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX ( {$3100.00} ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX XXXX ( {$1000.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX XXXX  XXXX XXXX ( {$1000.00} ) account is. I have never signed an agreement with XXXX XXXX XXXX XXXX XXXX {$1000.00} ). They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid off my credit card and was charged interest on a XXXX   balance. I have spoken with the company several times and the representatives keep explaining to me different reasons that they can not remove the fraudulent charge. Said that I need to have paid the balance in full twice in a row. Seems like unfair business practices and consumer trickery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 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:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw outrageous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX {$450.00} XXXX   XXXX {$160000.00}

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 2020-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank is not cooperating to make the availability to link their online users account with others therefore we can not use our own money. I am an established XXXX XXXX attempting to get funding from the government and without the link I can not receive the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report incorrect balances and not including all accounts, available credit, usage and payment history. Several disputes filed. 
Dates contacted Experian agency : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -Only reporting one XXXX XXXX credit card. I have two in very good standing -Not reporting XXXX/XXXX  -Not reporting XXXX  -Not reporting 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 2020-06-30 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
During the past week or so, I have been receiving letters from Synchrony Bank indicating a reduction in my credit card limit due to recent credit history : * XXXX XXXX XXXX *Sam 's Club I noticed that the said entity listed late payment history on my mortgage which is not true. XXXX XXXX XXXX has deceived me each time I phoned concerning issues on my mortgage payments and more. When I spoke to one of its reps. she informed me my payment history was current and in good standing. Once Synchrony Bank indicated that I had not made a payment to Sam 's Club when I had and in reasonable time for it to register prior to due date. During this COVID-19 pandemic, I have yet to get any clear " assistance '' from any credit source. They talk a good game while reality tells the true story of no help ; that your credit score will be reduced.

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 2020-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, someone fraudulently used my Wells Fargo debit card in a liquor store for {$300.00}. On that day, I never left my house and have only one debit card which was in my pocket and is never lent to anyone. I have never been to the liquor store and had to XXXX it to even know what it was. While reviewing my bank accounts in early XXXX, I discovered the fraudulent transaction and contacted the bank. They reversed the charge and began an investigation. Claim number XXXX On XX/XX/XXXX, Wells Fargo sent me a letter ( which I got 10 days later ) saying that they had investigated and concluded that I had used or permitted someone else to use the debit card. This was based on information received from Visa - essentially that their electronic system showed a card number, pin and chip signature that matched. I was not given any information on what the card number, pin or chip signature was. I was then assessed the {$300.00}, plus {$2.00} for the use of a non-Wells ATM. 

I called the customer service number provided and was told that the bank uses the Visa data as conclusive, that I must have given the card to someone to use or had it physically stolen ( neither were true ), and that they had no ability to reverse the finding. I was told by the specialist that my only recourse is to file a police report and hope that a criminal investigation done by our local police will show something different. I was also told that I had to prove that I didn't let someone use the card - in other words, that I am a liar and have to prove an impossibility. I was also told that there was no recourse to contact VISA about the quality or details of their investigation. I was told that they would mail me their documentation. Essentially, I was shut out of any real resolution and called a liar in the process. 

We have been WF customers since XXXX and maintain multiple business and personal accounts, but will no longer do so. I was ripped off twice - first by whoever stole my card information and then by Wells Fargo. This is not the first error by Wells Fargo that we have had to address, but it will be the last.

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 2020-06-30 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:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report I saw outrageous amount of account under my name that are not mine. Please delete these items from my report. XXXX XXXX {$450.00} XXXX   XXXX {$160000.00}

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 2020-06-30 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: OK

Complaint narrative:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX  XXXX {$360.00} XXXX XXXX XXXX {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: United Group Inc.
State: WA

Complaint narrative:
Today XX/XX/2020 I checked my credit report and seen I had a hard inquiry from a loan company called United Finance on XX/XX/2020. This doesn't make sense because 5 days ago I never gave authorization for this company to make any inquiries into credit. Nor was I seeking funding from this company for anything. I called the company today and they acted like I didn't know what I was talking about and told me to take it up with the credit bureaus. I'm currently disputing this to prevent fraud anymore on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: OK

Complaint narrative:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX  XXXX {$360.00} XXXX XXXX XXXX {$720.00}

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 2020-06-30 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: OK

Complaint narrative:
DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX {$360.00} XXXX XXXX XXXX {$720.00}

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 2020-06-30 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: TX

Complaint narrative:
In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to XXXX, Transunion, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.

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 2020-06-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to Equifax, XXXX, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.

Company response to consumer: Closed with explanation