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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations

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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that  regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations

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: TX

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX  XXXX  XXXX {$93.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX  XXXX {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an insufficient funds notice from my XXXX XXXX Checking account. {$100.00} was being transferred from XXXX XXXX into my Robinhood account. I was surprised to see this since I was planning to close that account and purposefully left the balance at {$0.00}. I ended up paying a {$35.00} insufficient funds fee because my balance was at {$0.00}. 

I contacted Robinhood on XX/XX/XXXX about the unauthorized transfer and Robinhood placed a restriction on my account. They sent an email asking to provide them details of the event, app usuage, and account login details. I did and have not heard back. 

It's XX/XX/XXXX, and I still have not had this issue resolved. I believe that 2 weeks is more than enough time to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I received a collection notice out of the blue on XX/XX/XXXX. The letter is from XXXX  on behalf of pinnacle credit services attempting to collect a debt for a XXXX XXXX account opened in XXXX. The letter states I owe {$1000.00}. I do not owe this amount. The account is out of the statute of limitations to collect which the letter states so I'm am not sure why this company is contacting me now.

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: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2020, there were fraudulent transactions made on my credit card totaling {$300.00} at XXXX XXXX XXXX XXXX, XXXX, Ohio. Upon discovering my card was lost and fraudulently used, I immediately contacted my card issuer ( U.S. Bank ) and reported my card has been used without my permission. US Bank opened a fraud claim, and within days they issued a decision and stated no fraud had occurred and said that I'm liable for the fraudulent charges! I've made numerous calls to customer service to resolve this matter, but to no avail. They said I have to pay for these fraudulent charges because they don't believe fraud has occurred. I DID NOT AUTHORIZE ANY OF THESE TRANSACTIONS. My card was lost and used without my permission. 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 monetary relief
Consumer complaint received 2020-03-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I will say approximately every other week for the past year that is the most straightforward answer I could give I have called XXXX XXXX signed up sign back out upgraded downgraded file class action wrote letters called received letters verified myself have gone to the XXXX had gone to social security my experience account is fake and so is my life lock that all I can say I know this is not a very professional DE briefing but I don't know what else to say I'm sitting outside of Social Security Administration in XXXX md and right now the office is closed.I had an appointment and I find myself here on this page now- I have also called the phone number listed on the door am I getting ported out to fraudulent individuals because other people next to me were calling? and only on my phone representatives were asking questions they should not be asking me such as where I was born after I already verified name date of birth and social- my Experian history of debt balance due drops to XXXX twice in the 6 months. There are over 60 credit inquires I do not recognize- and I had XXXX in 2017. Someone took over my identity without a doubt- I just need to reschedule this appointment ... please

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2020, an unauthorized XXXX transfer of {$1000.00} was sent from my Bank of America checking account to a XXXX XXXX account of my estranged son. I was notified by BOA as soon as the transfer occurred and I immediately contacted them to say this was an error. Although the transfer showed as pending I was told it could not be stopped. BOA attempted to recover the funds from XXXX XXXX who refused to return the funds. 

XXXX XXXX stated the funds went to the intended recipient. That is not true since I did not intend to send those funds. 

The funds went into an inactive account so the recipient did not receive them and cant return them. 

BOAs On Line and Mobile Banking Security Agreement states that consumers would be protected from fraudulent transfers. While this may not meet the strict definition of fraudulent it is an an unauthorized transfer and I should have been protected.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
On XXXX XX/XX/2020, I received a notice through XXXX that a collection had been opened up on my credit account. The collection was reported through XXXX. 
The collection was through a company identified as Southwest Credit Collection for the amount of {$300.00}. No further information was noted as far as for what this was for, etc. XXXX  was immediately contacted and a dispute filed as well as a credit freeze/ monitor request. 

I have never conducted any business transactions nor heard about this company. This action has dropped my credit score over 20 points. Additionally, my credit, up until this incident was great, as I regularly pay all my accounts off ( credit cards ) monthly and keep a low debt balance. There has been no communication from this company either, just a mark on my credit for whatever business Ive never done with them.

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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$8500.00}

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 in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX XXXX {$8500.00}

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 non-monetary relief
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX XXXX {$350.00} XXXX XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCE CORPORATION
State: MO

Complaint narrative:
Too many phone calls, never leave message. ( 6 calls on XX/XX/20 )

Company response to consumer: Closed with non-monetary relief
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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX XXXX {$2700.00}

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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX XXXX {$2700.00}

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 non-monetary relief
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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My Equifax credit report is showing to creditors that I have a bankruptcy on my report. This bankruptcy was valid but had reached the 10 year limit in XXXX of 2019. The credit report no longer shows the bankruptcy under the Public Records section for me to dispute, but is still showing up in the main screen, still affecting my ability to get credit, and still affecting my credit score when it should have been cleared and removed 9 months ago. There was no way to dispute this on the website, I called 3 times to question it, 2 of them I asked for a call back and when they did I just got a recording showing they could not connect the call. The third time I waited on the phone for over 3 hours ( I checked the call timer ) with nobody answering.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech sold my mortage to XXXX the End of XXXX / beginning of XX/XX/2020. I accidentally sent my XXXX Payment to Ditech instead of XXXX. The payment was sent from my account on XX/XX/2020 to Ditech. I supplied all supporting documents like they asked to show proof of the payment. They sent back a response stating that they payment was not relieved by them. I also have proof of the two payments that I have made since the XXXX  on XX/XX/2020 & XX/XX/2020 that I have made out of my bank account. These payments are the only two payments applied to XXXX. My XXXX payment was not transferred to XXXX from Ditech. I will supply all supporting documents when needed - Ditech ( payments made to them & the dates ) to XXXX ( payments made to them & the dates )

Company public response: Company believes it acted appropriately as authorized by contract or law
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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}

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: AR

Complaint narrative:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}

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 non-monetary relief
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I first forwarded a letter to all three credit bureaus from XXXX XXXX at the end of XXXX instructing the three credit bureaus to correct and change the comments on the account from " Paid for less than full amount '' to " Paid in Full '' and remove all negative remarks. XXXX and XXXX  did this immediately, but Experian didn't. Recently I discovered the account had the date of " first reported delinquent '' as XX/XX/XXXX, when it was actually first reported in XXXX when I stopped making payments and disputed the charge with XXXX XXXX. The account was to be removed in XX/XX/XXXX. Again, XXXX  and XXXX  deleted the account but Experian didn't. Experian 's account details had the amount paid as {$1400.00} ( full amount ) which was wrong, the date of reporting as XX/XX/XXXX which was wrong, and the account to be removed in XX/XX/XXXX which was another 7 years. I called Experian XX/XX/XXXX to dispute it. I also called XXXX XXXX who immediately sent a letter to Experian and myself instructing them to delete the account as they had last XXXX ( XXXX ). The woman I spoke to advised me to make this complaint. I uploaded the letter to Experian that day. When I checked my Experian report the next day the details under the Credit First account were removed but the account was still listed as a Charge Off AND the account no longer said it was in dispute. Also hard pulls weren't removed that have been listed for over two years. I called Experian and was told that I had to wait 30 days and if I told them to drop the dispute ( which is not indicated on the on-line account anymore ) they would not fix it. To date the information has remained incorrect.

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