vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this 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 2021-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been checking my report since the pandemic started and when the cares act relief for federal student loan borrowers was made law I noticed a lot of multiple XXXX account with the same account number and this has got to be an error because I don't recognize these. Besides a lot of these loans are in forebearance and are to be marked as paid on time Cares act 3513, a, b, c, & d. payments are suspended ( ADMINISTRATIVE FOREBEARANCE.IN THE STATE OF PENNSYLVANIA. There are a lot of violations and we are in a financial and health crisis and need help from CFPB to ensure the bureaus are doing their job its a stressful time for all americans. It has been over 45 days since disputes and then I get a postcard from the credit bureau which is unacceptable as I stated in my letter to them disputing the items. That told me they didn't do the investigation and left me with a stall tactic, this items must be deleted. its law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: GA

Complaint narrative:
ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME RENT RECOVERY REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER 7 YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: GA

Complaint narrative:
ON XX/XX/2020 I SENT A LETTER TO XXXX DISPUTING A REINSERTITION FROM XXXX XXXX XXXX THAT WAS DELETED WHEN A COMPANY NAME XXXX XXXX REPORTED IT AND IT WAS DISCHARGED IN A PREVIOUS BANKRUPTCY YEARS AGO. THIS IS A VIOLATION. I ALSO WAS NEVER INFORMED THAT THIS WAS BEING REINSERTED ON MY REPORT AGAIN AND THAT IS DEFINITELY A VIOLATION ON XXXX  AND THE COLLECTION AGENCY. I NEVER RECIEVED ANY INFORMATION THAT THEY HAD THIS ACCOUNT OR I WOULD HAVE TOLD THEM THAT THIS WAS DISCHARGED AND DELETED IN A PREVIOUS BANKRUPTCY CHAPTER XXXX YEARS AGO. I NEVER GOT A NOTICE FROM THESE PEOPLE AND I DONT EVEN KNOW WHO THEY ARE. WE NEVER HAD A CONVERSATION AND I NEVER GOT A VERIFICATION OF THE DEBT WHICH IS ANOTHER VIOLATION. THERE WAS NOT A NOTICE MAILED TO MY ADDRESS SO PLEASE TELL ME HOW ARE THEY ABLE TO REINSERT A DELETED ACCOUNT ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE AND NO COMMUNICATION AND THE CREDIT BEREAU ALLOWED THIS TO HAPPEN. THE FCRA AND SPEAKS AGAINST THIS. I CALLED XXXX AND THEY ARE BEING LAZY AND REFUSE TO HELP AND THEY NEED TO BE HELD ACCOUNTABLE. THEY WANT ME TO CALL A COLLECTION AGENCY THAT IS IN COMPLETE VIOLATION AND ACTUALLY GIVE THEM CURRENT INFORMATION ON ME IN ORDER TO DISPUTE AN ACCOUNT THAT HAS ALREADY BEEN DELETED FROM MY REPORT YEARS AGO. IM FURIOUS AND I DONT TRUST THAT PROCESS. XXXX NEEDS TO DO THEIR JOB AND STAND BY THE CONSUMER LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
The credit bureau transunion and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
The credit bureau XXXX and XXXX said they verified a collection on my account however there is no proof of verification and they had previously removed it from my credit report and then placed it back on ( I will be sharing screen shots, so glad I took those ) This company has been such a pain to get this incorrect information off my credit because it is not my collection and they arent doing what they are supposed to do based on the Fair Credit Reporting Act!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
XXXX  XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: CA

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$570.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance Owed : {$0.00} This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$100.00} Reporting unknown which means it's incomplete, please delete this 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 2021-01-13 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: CA

Complaint narrative:
CAPITAL ONE CRIMINALS FORCE YOU TO PAY FOR THINGS YOU DO NOT PURCHASE FOR THEIR OWN PROFIT and GAIN Their hatred to the limited customers left is CRIMINAL. 
FAILURE TO DO JOB IN PROFESSIONAL ( LEGAL ) MANNER IS CRIMINAL. 
Extortion is what they like to do because the hate YOU. 
Racketeering against people is their trade mark. 
EVER SINCE THEIR FLY-BY-NIGHT COMPUTER SYSTEM WAS HACKED THEY GO OUT OF THEIR WAY TO OVER-CHARGE THEIR CUSTOMERS, $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEEEXTORTION - RACKETEERING - CAPITAL ONERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONEEXTORTION - RACKETEERING - CAPITAL ONE EXTORTION - EXTORTION - RACKETEERING - CAPITAL ONERACKETEERING - CAPITAL ONE EXTORTION - RACKETEERING - CAPITAL ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
In XX/XX/2020, I alerted the company that the account was not mine and I never lived at the address. The Credit bureau informed of these accounts and they have not investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IL

Complaint narrative:
Originally the problem started with a restaurant ( XXXX XXXX XXXX XXXX, IL ) that I had cancelled an order with - They said I may be charged but that it would be reversed in about 3 days in a phone call conversation. I contacted them again later by email but no response. I then contacted my bank ( US Bank ) to dispute the charge several times and still no resolution. 


Amount of Charge XXXX Date of Charge XXXX Merchants name XXXX XXXX XXXX What was ordered/paid for? 

Cancelled food order Service/Merchandise Not Received ( 3 ) You recognize the company and withdrawal information but didn't receive the merchandise or agreed upon service from the merchant and the merchant is either unwilling or unable to provide the merchandise or service. The Approximate Date of Contact must be after the expected date you were to receive the merchandise/service. 

Have you attempted to resolve this dispute with the merchant? 

IF YES Answer the questions below Yes Approximate date of contact XXXX Spoke with Manager How did you contact them Phone/email Response The order would be cancelled and amount refunded Expected date of receipt of service/merchandise? 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Did you receive any service/merchandise from this transaction? 

IF YES Answer the questions below no What was the value of the service/merchandise received? 

n/a

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 2021-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: PA

Complaint narrative:
US DEPT ED XXXX Balance : {$0.00} This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance : {$0.00} Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance : {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance : {$0.00} Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX Balance : {$480.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} Delinquencies reported after the account was closed. This is a violation please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The last week of XX/XX/2020, I noticed the following charges debited from my BofA Prepaid Acct from the EDD in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$5300.00}. I immediately called BofA to report the unauthorized activity. I was able to make a claim for half of the charges because only half were " posted '', the other half were still " pending ''. I called back the following morning when the rest were " posted '' and created the 2nd claim. I waited a week and noticed 1 of the claims were processed and half of the amount placed back into my acct temporarily until an investigation was completed. That same day I received a letter in the mail stating that my 2nd claim has been closed due to suspicious or fraudulent activity. NO KIDDING! So, I called BofA to inquire about my claims ... When I called and entered my card # at the onset of the call, the AI on the phone stated that the acct tied to the card # entered had been CLOSED! Once I got to a live agent, they stated their AI flagged my acct automatically, but since I called in, they would now escalate the claim so that a " human '' can look into my account. Its now XX/XX/XXXX, over 7 weeks have gone by, and I have had ZERO access to ANY funds for over 7 weeks ... I am worried now that my money is going to be lost. I have not had any luck getting my money back or my account reopened. I am sure the account is FDIC insured, but I am not sure what to do at the point, PLEASE HELP.XX/XX/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 2021-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Some disputes on various accounts are for my ex-husband account I don't have nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: PA

Complaint narrative:
U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX .... Balance : {$5000.00} - This account has several violations : You are reporting past due balance on a closed account, You are reporting late payments after this account was closed, You are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$1600.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong 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 2021-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is serious with Equifax, i noticed on their website i was a part of their data breach, they never mentioned it, so for the past 6 months i have did what they asked and submitted soc security card, license, and utility bill in XXXX, nove and XX/XX/2020, i finally receive something in mail today stating we can not locate your credit file. 

I keep trying to call i cant get thru the automated verification process because someone or something changed my answers, so nothing is matching. I put in my phone address etc nothing is matching. Equifax will not help me or address these issues other than to deny me access to my information by phone or by mail i have mailed proof 3 times and im fed up. I am a victim of the data breach i figures this out tonight and put in my social and it came back yes your information was affected, so im at a loss i need some help to get this problem resolved. 

Yesterday I received a letter from equifax my file is not found. Now i am trying to buy a car, my report is XXXX with XXXX and XXXX with XXXX but only XXXX with equifax, im so upset, this is destroying things for me. Equifax will not help me. 

Please help me Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation