vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 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: CA

Complaint narrative:
For the past several years starting in XXXX, every month for a year I submitted documentation to Experian for XXXX XXXX reporting inaccurate information on my credit report. My vehicle was wrongfully repossessed in XXXX by XXXX   XXXX acting for XXXX XXXX which resulted in a law suit. I disputed this issue and information with Experian who continue to report inaccurate dates & information from this creditor. Now Experian is reporting the delinquent account past the 7 years of reporting which is a violation of FCRA. I called Experian today after I attempted to file a dispute online. The dispute was declined so I called Experian only to be told by the representative I spoke to is located in XXXX XXXX, no supervisor was available because they were closed, she submitted my dispute over the phone but then informed me they only report what the company tells them even if the information is inaccurate and a host of other unacceptable excuses of how their dispute process works in which they don't investigation the company 's accuracy of information being reported. The investigation should include the company providing proof of dates and accurate disputing information to Experian before Experian reports it on my credit file. It's their job to report accurate information and if the information is not accurate, remove it. The law suit surrounding this repossession was recently settled in my favor in XX/XX/XXXX and XXXX XXXX is still reporting the delinquent account since XX/XX/XXXX. This account has reached it's Statue of Limitation in the State of California ( 7 years ) which should be deleted immediately.

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 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion dropped my FICO score over 55 points for NO reason No late payment no increase in credit All other bureaus went up! 
Can log into my tu account Cant get a customer service to answer

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 2019-06-02 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
SENT FTC AND POLICE REPORT VIOLATION XXXX   XXXX COMMONWEALTH FINANCIAL WRONG SOCIAL REPORTED SENT PROOF TO XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB is XX/XX/XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is XXXX XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
These medical bills violate the HIPPA law. Also they we're filed while my full coverage insurance threw XXXX XXXX was being processed. I now have full coverage XXXX to cover every single bill disrupting my credit score.

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 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I am attempting to place security freezes on my credit report with all reporting agencies. Although some make it much harder than it should be in the internet age, I was able to accomplish this task with all three of the majors as well as XXXX, XXXX, XXXX, XXXX and XXXX XXXX ( at least I was able to accomplish the request ). 

MicroBilt/PRC bounced me around through several points of contact before I found a document containing the following : Requests for a security freeze should be submitted via certified mail to MicroBilt / PRBC, Attn : Consumer Affairs Department, XXXX. XXXX   XXXX, XXXX, GA XXXX, and must include all of the following : a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code ; your full name including middle initial ( and generation such as JR, SR, II, III ) ; full current mailing address ; date of birth ( month/date/year ) ; previous addresses for the past two years, Social Security Number ; and a phone number where you can be contacted. Please be sure to include one copy of a government issued identification card, such as a drivers license, state ID card, military ID card, etc. ; and one copy of a recent utility bill, bank or insurance statement, etc. 

If this service is federally mandated to be free to anyone ( even if you haven't yet been the victim of identity theft ), how can " a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code '' be a requirement for the request?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XXXX XXXX 2019, I noted three fraudulent transactions on my card. I immediately notified Capital One and they flagged all three and removed the transactions. 

On XXXX XXXX 2019, one of the charges reappeared, at XXXX for {$67.00}, dated for the XXXX  now. I reported this one as well, and received assurance that it was a duplicate and would be removed/investigated with the others. 

On XXXX XXXX 2019, I received notice that the XXXX transaction was deemed legitimate, and the others would be kept off. I called to dispute this the same day and was told that it was seen as legitimate for being delivered to someone at an address I've never had, with the same last name as me. The address they were provided by XXXX, which the representative also gave me, is not one I've ever had anything to do with and the name on the purchase was clearly <firstname> <lastname-that-matches-the-stolen-info>. I was told the charge would be removed. 

Today, XXXX XXXX  2019, I was notified by a separate spending-tracking app that the charge was not removed or otherwise was reapplied to my account, dated XXXX XXXX 2019. 

Capital One is charging me for something I didn't buy because it was already delivered to the thief 's address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a XXXX XXXX with Synchrony Bank and purchased several items on EASY PAY. XXXX states that no interest will be charged on the easy pay plan and interest is indeed being charged. I called the company and they reversed only 1 month of fees stating that they will do nothing further. I maintained that the TV hosts during the presentations always state that no interest will be charged on EASY PAY payments. I was told after the fact that this is only the case when the bill is paid in full. 
This is deliberate misrepresentation and I am being charged nearly {$30.00} interest on the EASY PAY total.

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 2019-06-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Just wanted to report identity theft, fraud, error Inquiry details XXXX. Personal loan XX/XX/2019 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 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
With zero notice, Fifth Third bank dropped me from their autopay service clearly with the intent to stealthily make me miss a payment. Attached is evidence of the past couple months of autopay and the company 's sudden decision to not autodraft the money and instead fraudulently charge me a late fee. This is blatant theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-02 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: MI

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Equifax has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX  report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from XXXX, XXXX, and Transunion and I noticed multiple auto loan inquiries across all 3 Bureaus that  were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transuion : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.

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 2019-06-02 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: MD

Complaint narrative:
on XX/XX/XXXX I viewed a copy of all 3 of my credit reports from XXXX, Experian, and XXXX and I noticed multiple auto loan inquiries across all 3 Bureaus that were not Authorized by me. In late XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX with a check in hand from my own bank, I later found that the salesman actually blasted my credit report to multiple lenders for approval without my permission. I was approved already with a check in hand, after I repeatedly asked the salesman not to do so. Since then my credit file has suffered, All listed below did not have permissible purpose/authorization from Me to access my reports, this is also a violation of the FCRA.I have also contacted all 3 Three major credit bureaus as well as all financial banks listed below with no answers, I've also requested documentation on all inquiries listed below : XXXX  : XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiries listed above have hurt my ability to obtain credit and are in violation of the FCRA 15 U.S.C 1681 ( b ) Ive also hired an Attorney to help me through this process to seek all PUNITIVE DAMAGES ALLOWED.

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 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian serves me a thin creditor with none of my accounts showing, but they serve potential creditor savior file with information that is not correct in relation to one single and incorrect late payment to XXXX XXXX in XX/XX/XXXX. 

because I CAN NOT pull a property posted file, I can not dispute it which is causing Major business difficulty as need financing now.

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 2019-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I called Mr. Cooper to inquire on My pay-off of this loan why I had a late charge attached to the loan a person answered and would not listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
hello my name is XXXX XXXX I am a XXXX year old male with very limited funds. i thought about pursuing a career in XXXX at XXXX College online school. i only enrolled but i never started the courses or used any materials and their system will show that i have never used their services. the class once finished was supposed to be priced at a cost of {$870.00} for full tuition yet Instead of cancelling my account after noticing i havent started the class or used any materials they send the full tuition debt to collections for {$870.00} which i feel is unfair and unethical practice and I paid an initial cost to enroll but never used anything so why would they pursue payment for a service that wasnt used at all .their system shows proof that i never used it. i am now being contacted multiple times daily by a company called Ability Recovery Services LLC. I could understand if i even started and read the first page of the course but the fact that i only enrolled but never used anything yet they expect full tuition is outrageous. I think any company that is selling a service such as pace by pace course online should never charge a consumer for materials or courses never used at all. i only enrolled.

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 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was making a Bank of America credit card payment on XX/XX/2019 when the process became longer than usual. Because I paid from another banks checking account in the past, I usually asked if I want to use the same bank for payment to make it a shorter and quicker process. Instaead on this date of XX/XX/2019 around sometime in the after noon California the I was prompted to give all the outside bank '' s Iinformation - Routing and account information, which the bank would remember from past and not ask for in detail. I called later to ask a representative and she said it was a system wide glitch. She seemed nice, but did not say it would be present to the public as a notification to be aware of as happening are shared with CFPB. So I am reporting it and hopefully actions and methods will go back to a use the reflects retention of secure information and hint identification for smoother and secure transactions and future use.

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 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On ( XX/XX/2019 ) I discovered ( XXXX ) had been re-inserted into my credit file from TRANSUNION after being DELETED. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This is a violation of the Fair Credit Reporting Act which states you have to notify the consumer in 5 days and today is XX/XX/2019.

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 2019-06-02 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: MI

Complaint narrative:
XX/XX/2019 XX/XX/2019 XX/XX/2019 TransUnion, has been practicing illegal tactics against me and its effecting my credit report negatively. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any method of verification Ive asked of them. I have a letter from the the U.S Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation