vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$3100.00}

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for his car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$3100.00}

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I called XXXX  XXXX  to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX  account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting to remove all accounts which I listed in Identity Theft which does not belong to me. All of them are paid in full and have {$0.00} balance and I have never opened them before. Some one used my personal information. Please remove all of them from credit bureaus because its going to destroy credit history. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a residential rental property company and deal with all the major mortgage companies including Bank of America, which I have a least 10 loans. The homeowners ' insurance for 3 of the Bank of America loans came due XXXX of XXXX. The insurance was paid by me in XXXX of XXXX. Bank of America requested evidence of insurance for said properties shortly thereafter. My agent and I both faxed evidence multiple times throughout the following months. Bank of America continued to request evidence of insurance and we continued to supply it. XX/XX/XXXX, I uploaded evidence of insurance to the website Bank of America provided and received confirmation emails of receipt. Bank of America placed a lender-placed policy on one of the loans and changed the payment. I continued paying the normal payment every month, knowing I had provided evidence of insurance. I had to finally in XXXX go to a branch office and have them fax and email evidence directly to someone in the insurance dept. It took several months to get everything back to normal, then in XX/XX/XXXX, a business banker I deal with notified me my credit score had been hit 3 times for non-payment on 1 of the XXXX  loans and had reduced my credit score by 100 points. Bank of America has charged me inspection fees, late fees and hits on my credit due to there not processing my insurance correctly. Throughout XXXX, when I would contact XXXX as a follow-up, they would have no records of me contacting them the last time, which might only be a week or so previous. They said they investigated and found they had done nothing wrong. It makes no sense, why would I not provide evidence when I clearly paid for it, why would I not pay only one of the many loans I have, and why did they not address the confirmation emails they provided.

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 2020-03-18 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: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
In XX/XX/2020, I applied with HSBC Bank for a 0 % APR promotional offer on balance transfers. 

On XX/XX/2020 I initiated the balance transfer via a phone call with a representative of {$6000.00} to be send to XXXX XXXX. I was told this transfer would take 7-10 days. By XX/XX/XXXX, I logged into my XXXX XXXX  account and the balance transfer from HSBC and still not made it to XXXX XXXX, but on my HSBC statement it say the a balance transfer was made to " XXXX, NY '' on XX/XX/XXXX. " XXXX, NY '' is not the correct location for the XXXX XXXX balance transfer, it is in fact that location of HSBC Bank USA, N.A. I was also imposed a transaction fee of {$240.00} on XX/XX/XXXX with HSBC for the balance transfer that was never completed correctly. 

I was never contacted once by HSBC to inform me there was a discrepancy information for the balance transfer to be sent. 

I contacted HSBC immediately on Friday, XX/XX/XXXX. I spoke to a representative and they said they would credit back the {$6000.00} to the HSBC account within XXXX days. 

It is now XX/XX/XXXX and the {$6000.00} has still not be credited back with two business days to go within the 7-10 day window. And, the is a first payment due to HSBC on the account is on XX/XX/XXXX by which I will be responsible for paying a minimum payment due for a balance transfer that was not handled properly in the first place, with absolutely no communication that there was a discrepancy in the balance transfer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have had Macy 's department credit card for several years. In the XXXX and XXXX timeframes, Macy 's dept. store credit card transferred to an XXXX XXXX Credit Card, without consumer 's knowledge that they were changed the Card Accounts entirely. Meaning, I was paying a dept. store credit card for a few months, but the transfer to the XXXX card was not getting paid. However, I had no ability, notice, or information that MACY 's company new XXXX wasn't being paid. 

First, consumer did not ask for an Macy 's XXXX card. 

Second, I was paying the dept. store credit card as I had been paying in the past months. 

Third, approximately XXXX/XXXX XXXX, I contacted Macy 's realizing this situation of payment confusion from dept. store credit card to XXXX card and vehemently asked the Macy 's rep to ensure that my payment and any late payments be fixed. Since the Rep pointed out the problem that Macy 's transferring billing from store CC to XXXX card, it is not a consumer issue of payments. He credited account at that time and I paid remaining balance in full. 

Today, the credit bureau is showing " one '' late payment which was not a late payment due to Macy 's negligence/lack of duty regarding new XXXX CC 's. I disputed this issue with both Macy 's and XXXX  without resolution or a fix to Macy 's negligent duties. 

Please assist me is this matter.

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 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have had a Barclays/Uber credit card for nearly 2 years, and it was obtained due to the then cash rewards program that was very competitive. 

I used it during that time without complaint or issue. 

Then, beginning of this year, they changed the terms and conditions, notifying me only by email ( and not even in the portal where you sign in and actually interact with your card to pay balances XXXX. As a result, they took my cash rewards and I am unable to redeem them as I normally do. 

During that dispute that neither Barclays nor Uber was willing to resolve, I threatened to not pay my card until this resolved, and that I would Stop Payment my latest payment. The manager then said, " Go ahead. '' I did ; however, after a few weeks, I removed the stop payment and resubmitted successfully the original payment and more. 

However, Barclays charged me a Stop Payment fee and are refusing to reverse it, even though it arose from this dispute and their own Manager said, " Go Ahead. '' So on one hand, Barclays has " stolen '' my cash rewards AND they refuse to waive a Stop Payment fee their own manager encouraged during this ongoing dispute. 

Barclays has been entirely unapologetic and unhelpful.

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 2020-03-18 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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