vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: NCB Management Services Inc.
State: AR

Complaint narrative:
It has been nearly three months since I first reached out to XXXX, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and NCB Management were never established or opened by me and are the direct result of identity fraud and or theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 am upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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 upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off 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 2020-05-11 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 upset and highly frustrated to know that there has been false and fraudulent reports noted on my credit report that i did not consent nor authorize! This is causing a lot of horrible delays with my employment and would like this to be taken off 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I feel lied to by them they wrote me a letter confirming my account had a XXXX balance and I would receive my deposit for my secured card in full after calling I was transferred to multiple people horrible experience and then they said their is a balance of XXXX I said what for they dont know but I had a XXXX balance their was fraud on this account I want my deposit in full as they told me their executive office doesnt call me only writes letters and now I have to wait 3 more months this is ridiculous Ive been waiting for months for my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I always pay co-payment when I visit doctor. This does not to belong. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
On XXXX XXXX it currently shows that I owe a balance of {$1900.00} to Southwest Credit Systems who is trying to collect a debt on the behalf of 11 XXXX XXXX. I have no knowledge of the company or the original creditor. I currently have a prepaid phone plan. My identity has been stolen please help. This account was opened XX/XX/2020 according to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: DE

Complaint narrative:
I always pay co-payment when I visit doctor. This does not to belong. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION
State: KY

Complaint narrative:
After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. 
Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called XXXX and they told me I had a negative remark on my drivers license from an account with UMB Bank. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call UMB Bank because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I attended a Free Dinner/Seminar provided by XXXX XXXX XXXX on the topic of XXXX. At the conclusion attendees were invited to attend a screening at their Offices for a {$79.00} fee. I attended this screening/interview with one XXXX XXXX, XXXX. ( the other Company Principle is XXXX XXXX, XXXX. ) I did not find out that they were XXXX  's and not XXXX  's until a few days later. Mr. XXXX repeatedly, with expertise, insisted that their program would end my XXXX XXXX XXXX XXXX XXXX I told him that I was a XXXX XXXX XXXX over 10 years ago and had not been tested for the last 5 years. I was assured that I could OPT Out of their Program and be refunded. I agreed to sign up for their program on that assurance by Mr. XXXX.I also mentioned that I had to wait 4 months for an Appointment with my newly assigned XXXX XXXX   Doctor and the AppT was on XX/XX/2020 and he ordered an XXXX XXXX  at that time. I received the XXXX XXXX   results on XX/XX/2020 and the Test revealed that I was not XXXX!! I went to the XXXX Office on Monday XX/XX/2020 and met with Mr. XXXX and informed him of my intent to cancel and he accepted and said he would notify accounting. I signed a form that I would Quit the Program See Encl ( 1 ). 
According to XXXX the Total Cost is {$14000.00} and I Paid a Deposit of {$2000.00} which leaves a Net Balance of {$12000.00}. See Encl ( 2 ). 
No refund of the Net Balance has been applied BUT XXXX XXXX XXXX DID REFER the Net Balance of {$12000.00} to a Finance Company named GREENSKY as a DEBT in my name!!! See Encl ( 3 ). 
I am a XXXX year old XXXX  United States XXXX and have received daily Phone Calls from GREENSKY, also Billings and Emails. Do not do MEDICAL business with XXXX!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I've tried to get in contact with Capital one for over 2 weeks. I would like to delay my payment due to Covid-19 underemployment. I was able to delay it last month and each month you have to call back to delay payment. The wait time to reach someone is over 3 hours. I've called several times and can't get through. Twice I've called, the phone was disconnected after waiting over an hour and half. The other time i was able to request a call back. I never received one. I reached out on XXXX and they said i have to resolve the issue via 1800 number. I was now issued a late fee for not paying. Other customers are experiencing the same the same thing as I. This is terrible customer service practices. I am highly disappointed in their customer service practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, Wells Fargo Dealer XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

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 2020-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. Capital One XX/XX/2020, XXXX XXXX XXXX   XX/XX/2020, XXXX XXXX XX/XX/2020, Capital One XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 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: NY

Complaint narrative:
Dear Experian XXXX  XXXX  I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX is marked 30 days late on Experian and on time with XXXX. This account is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked 60 days late on Experian but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX  XXXX XXXX XX/XX/XXXX is marked as 150 days late on XXXX but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on Experian but 129 days late on XXXX. Delete immediately Please expedite

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 2020-05-11 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: DE

Complaint narrative:
Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.

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 2020-05-11 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is 1. XXXX XXXX XX/XX/2020, XXXX XXXX Dealer XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, Ally Financial XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and XXXX XXXX XX/XX/2020. I would like these illegal inquries removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.

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 2020-05-11 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: AR

Complaint narrative:
Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, XXXX, and Transunion has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE 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
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The credit card company is Capital One. They claim that I've owed an outstanding amount for the last 3 years on a credit card on my credit report. I have the original credit card. It began in XX/XX/XXXX and expired in XX/XX/XXXX. I stopped using this card more than 7 years ago, due to inability to pay. I am judgment proof. My only income is from social security and has been for quite some time. I am XXXX and can not work. I would like this removed from my credit report, as it has been more than 7 years since the debt was accrued. My other debts, such as federal student loans, were forgiven by the government due to my sole income from social security and my XXXX. Unfortunately, I have disputed this claim at least twice before. However, I recently found the original credit card from Capital One with the dates from XXXX on the actual card. I believe that the credit card debt collectors thought that they could say it has only been 3 years, because at first I could not find the card/information. I now have the card in my possession with the original dates. I also have paperwork to prove that my sole income is from social security ; I have no assets nor savings. I also have proof of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: DE

Complaint narrative:
Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Account is paid off and still shows balance on the account. 2nd account was never late shows late, I have auto payments for the account.

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 2020-05-11 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: AR

Complaint narrative:
Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. XXXX, Equifax, and XXXX  has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX   accounts has mismatching or conflicting open dates which is INACCURATE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: AR

Complaint narrative:
Earlier this year after noticing some inaccuracies on my credit report, I decided to reach out the credit bureaus to investigate. After further investigation it became apparent I have become a victim of identity theft. I've since sent in disputes, identity theft reports, and several other documents regarding my claim. It has now been over 90 days, and some of the fraudulent accounts still remain on credit file. XXXX XXXX, XXXX/XXXX, and US Dept Of ED/ XXXX are the accounts I've never had any association or received any goods or services related too. Experian, XXXX, and XXXX has failed to remove these accounts that were the result of identity theft. Under Fair Credit Reporting Act the bureau has 30 days to provide accurate verification which all bureaus has failed to comply with as well as provide a block per section 605b. There also several addresses along with inquiries that were requested to be removed which all still remain on my credit file which is unacceptable and a FCRA violation not to mention each one of the Dept of EDU -XXXX accounts has mismatching or conflicting open dates which is INACCURATE 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