vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 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: CA

Complaint narrative:
There was unauthorized reopening or fraudulent extension of an account in my name, by my younger sister, during the time she lived and on occasion house sat for me. Along with other things, this was hidden from me. reluctant to at first, I did eventually report this to the bureaus. The company name is XXXX, was originally " charged off '' in the amount of {$2400.00} and was sold to a company named " XXXX XXXX ''. Equifax did remove the associated company XXXX XXXX XXXX XXXX from my report, but never removed the parent company ( XXXX ) where the debt came from. After initially complaining to CFPB, Equifax updated the account again, to reflect, {$0.00} balance owed, {$0.00} past due and relocated it to the closed account section of my report. I appreciate that because at-least I'm no longer being affected negatively by it.The problem that I have is that a fraudulent account or charge shouldn't ' be on my credit report, whether it be positive or negative. Each time I dispute, I'm told the company verified the info. If that were true, why remove XXXX XXXX? And how are different are the verification processes for XXXX  and XXXX? Both companies removed both of the above mentioned many months ago when I first became aware and reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express Personal Savings promoted that they would credit 25,000 Membership Rewards points within 8-12 weeks after the primary account holder deposited a total of {$25000.00} or more into a new account by XX/XX/2020 and held those funds in the account through XX/XX/2020. I opened a new account on XX/XX/2020 and deposited {$25000.00}. However Amex Savings did not credit me with 25,000 points. I called multiple times but Amex Savings did not resolve my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MA

Complaint narrative:
On XX/XX/2015, I moved out of an apartment. My rental payment was paid in full. From that point on, company has repeatedly called me, harassing me about a Balance of {$18000.00}. This amount has changed multiple times. 

Since receiving the first notice of a debt in 2015 ( the size of a loan ). I have requested a full inquiry to find out what the debt was for. I have been told by representatives, I will get the requested information, including my response to the debt by email. 

I still have not received them. Ive sent multiple money order receipts, ledgers from the management office and Housing court documents to support the dispute. 

For years I have been fighting to get this unknown debt permanently taken off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
To whom it may concern ; I had 4 CDs with ally bank. In XXXX I recived a letter stating that the account would be considered dormant unless I contacted them. On XX/XX/XXXX I called and was told that the account was in good standing. When I got my statement on XX/XX/XXXX it was XXXX balance. They sent my money to the state of nj. XXXX the 2 CDs total about XXXX XXXX dollars. I spoke with XXXX on XX/XX/XXXX and he explained that I have to retrieve the funds myself. On XX/XX/XXXX I spoke with XXXX and he told me that ally was retrieving the funds. They refused to return my phone calls. No return calls to date, 10 days, or emails. Please help. Thanks 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 monetary relief
Consumer complaint received 2021-01-12 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In a multi state class action lawsuit to which I am included in a settlement agreement litigation Santander Consumer has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-12 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: MD

Complaint narrative:
XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: MD

Complaint narrative:
XXXX XXXX Balance : {$16000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.

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 2021-01-12 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
Ive had noted identify theft in the previous years. This particular account in question has previously been flagged and reported & removed. It has since been but back on my credit ( Im assuming because another company bought the debt ). I have reported yet again to all 3 beauties providing the only documentation that I have, such as drivers license, home lease etc. XXXX deleted the debt but XXXX still states that it is my debt. I spoke to the creditor before it ended up back on my credit report and they requested for my to travel during a pandemic from the state of GA were I reside, to XXXX ( where the fraudulent account Was created ) & file a police report. I am a XXXX  & I am a hard working. I can not risk running state to state & possibly catching Covid, just for a police report. Please help!

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 2021-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In a multi state class action lawsuit to which I am included in a settlement agreement litigation XXXX XXXX has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted

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 2021-01-12 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: IL

Complaint narrative:
I filed a dispute with Equifax on XX/XX/21 and they already finished their investigation on the same date. I do not feel they even investigated anything it was less then 24 hours and I feel this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To whom this may concern, I am writing this letter because of terrible experience I had with my last purchase. The purchase was made on XX/XX/2020 in the amount of {$42.00}. Since this purchase, I never received a bill in the mail. I was enrolled in paper statements. After some time, I reached out to Macys to see where my bill was for the item that was purchased. They notified me that I was already sent to collections and that my account was set to paperless billing. I never authorized paperless billing as all of my bills are paper and are sent to my home address. No one reached out to me regarding the outstanding balance. I was able to get a hold of a customer service agent on XX/XX/2020 who advised me that she would take care the charges on the account and apologized for the trouble that this has caused us. The person I spoke to was XXXX ( ID : XXXX ). Today, I received another bill with all of the charges still outstanding on the account. I called customer service again and experienced terrible customer service. The agent was nasty and rude and did not help me. I have great credit history and have never missed any payments. I have been a life-long customer of XXXX but this incident has caused me great stress and worry and has ruined my credit score. I would appreciate if someone can get in contact with me so that I can have this issue resolved. I will pay the amount of {$42.00} in full but I will not be making any additional payments as I never received any statements in the past. 



Sincerely, XXXX XXXX Macys Account # 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 monetary relief
Consumer complaint received 2021-01-12 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$74000.00} written off. {$94000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record fcra violations XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account charged off. {$110000.00} written off. {$37000.00} past due as of XX/XX/XXXX. 
( XXXX ) XXXX Public Record Account NameXXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit- Highest Balance {$13000.00} TermsXXXX Months Payment History FCRA VIOLAITONS NEVER LATE XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$1800.00} Date OpenedXX/XX/XXXX FCRA VIOLATIONS NEVER LATE

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: MD

Complaint narrative:
My bankruptcy XXXX discharged on XX/XX/XXXX, one of the debt servicing company Real times resolution has been sending letter to collect the debt after discharging bk XXXX since XX/XX/XXXX to XX/XX/XXXX claiming to owe debt {$45000.00}. 

I have been trying to let the Real time resolution to know about the debt is uncollectable in bk XXXX and it is uncollectible in statue of jurisdiction over 3 years in md and never sign to reaffirmation of the debt. Unfortunately, the Real time resolution still claiming to owe the debt as of today, pls help, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY REMOVE THE NAMES AND ADDRESSES and the negative information attached to the FCRA violations above

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 2021-01-12 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: CBC Companies, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY REMOVE THE NAMES AND ADDRESSES and the negative information attached to the FCRA violations above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Line of credit. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online FCRA VIOLAITONS REMOVE INQUIRES XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Installment Balance on XX/XX/XXXX Loan Amount {$0.00} {$160000.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Original loan amount {$160000.00} Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments FIXED RATE Your statements - UNKNOWN PAYMENT SHOWING FCRA VIOLATIONS FIX THIS SEE ATTACHMENTS

Company response to consumer: Closed with explanation