vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: IL

Complaint narrative:
Hi, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at XXXX XXXX was opened in my name which led to an outstanding balance of {$39000.00}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and transition fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, transunion.

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 2022-03-29 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: TX

Complaint narrative:
Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

Transunion and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.

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 2022-03-29 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: TX

Complaint narrative:
Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY!

-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
XXXX send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and Equifax never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Two weeks ago I was approached by the resident of a prior address to notify me they had turned away a Service processor looking for me. I contacted the Service processor and she could not find my file claiming to have returned it due to my no longer living there.

The only indication she gave to the former resident was that it is for a credit card debt owed to " Capital One ''. I have no personal credit card with Capital One and have disputed this with them in years past as XXXX will detail below. 

I don't know how to find out if they are filing a suit against me, if they are claiming I'm not responding to a judge nor how to address the situation. I have contacted Capital One and they claimed to have charged off and sold the debt and they no longer have anything to do with the account that purports to have my credit tied to it. 

XX/XX/XXXX - I received and responded in writing to a reply to my fourth or fifth dispute to XXXX XXXX, Capital One and possibly one other credit collection agency. Their response lists that I am disputing that I ever signed for, applied for, nor had direct personal responsibility for the discharge of debts on the business credit card issued originally by Capital One. Their reply states to the dispute " A result of identity theft or fraud '' and " Accuracy of Credit Reporting '' ( ON MY PERSONAL CREDIT REPORT ), that according to them " We are uncertain of what you are specifically disputing ''. 

I have sent this same contention as a written dispute from my personal credit file directly to Capital One starting in approximately XXXX of XXXX. I was a part of a business with administrative help that applied and obtained cards for those members/ principals of the business. I found fraud on some of the statements and the business partnership disolved with no assets or activity since approximately XXXX of XXXX. I sent letters disputing the individual fraudulent charges and the personal credit responsibility of the account throughout the period ending XXXX of XXXX. I'm now concerned that the issue is still affecting my credit and being dealt with in a court system I don't have the financial capacity nor proper notice to deal with. 

I'm not sure who to approach given Capital One 's denial of the account ownership and the failure of XXXX XXXX to provide anything beyond statements of an account that should NOT be on my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX fraudulently charged my credit card {$120.00}. I contacted my credit card company & asked that they reverse the charge on XX/XX/XXXX. To date no action has ever been taken by my credit card company to rectify the issue. Every time I have called I have been told there are zero updates on my case. It's been 5 weeks & I provided all of the necessary info. 
I returned a package to XXXX, and XXXX is claiming the package was not returned even though tracking proves it was returned & I have 2 emails from XXXX employees confirming the package was received. On my XXXX account page however the package showed as not being returned which is why I called XXXX to ask about that issue. They assured me I just needed to give it time to let the system update & the info would update on my account page. That never happened & instead XXXX charged me for the package that was returned.

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 2022-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to Receivables Performance Management LLC. Again, I never received any phone calls or correspondence from RPM regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted RPM to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident RPM could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.

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 2022-03-29 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: MS

Complaint narrative:
EXPERIAN has not properly responded to the Affidavit that was sent via certified mail. All violations that are listed within the affidavit are still present. My consumer rights are being violated everyday my file is inaccurate. Experian has failed to do their job which is defined by our governments FCRA.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The pandemic had just begun and I missed a single credit card payment Ive had this card for almost 3 years now and its the only missed payment Ive had. I called Chase to ask for them to remove it and they said no. So I was hoping you could do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PR

Complaint narrative:
credit acceptance corp car loan opening date XX/XX/2019 balance XXXX payment of XXXX for XXXX  months XXXX retail opening date XX/XX/2019 credit card credit limit XXXX with minimum payment of XXXX account at XXXX at the moment I have had identity theft since I was a child and today it is causing me problems in my home I have never traveled to the United States the only accounts I have are in XXXX 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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I complained to Citibank about XXXX XXXX charging unauthorized charges specifically. I complained to Citibank. I am honestly sick and tired of free trials that turn out to be scams. I told Citibank that I was removing my card number from XXXX XXXX. I honestly don't know how XXXX got a hold of my new debit card number but I suspect when I went to pay for something XXXX XXXX captured and stored this information. I am XXXX. I live on a pension. Citibank made my checking account disappear and did something I don't know what to my debit card. When I called Citibank it has already been an hour and a half while they shuffled me around departments. I pay a {XXXX} checking card fee a month. I have direct deposit for my retirement funds. Citibank seems only to have customer service in the XXXX and it appears that citibank loves to pick on and discriminate against XXXX old women. They did all of this without telling me. I am really really upset. I am tired of banks being bullies. I took my account number off XXXXXXXX XXXX. I think something has to be done about the greediness of the tech companies. For some reason Citibank gave priority to paying XXXX. I have been on the phone to someone in the XXXX for 1 hour and 40 minutes. I never agreed to paying XXXX. I think that is a waste of money quite honestly. I did everything I was supposed to do on my end. I feel that Citibank is punishing and retaliating against me. They did not notify me. Honestly I am sick and tired of Banks and their lousy customer service. I lost two people in my family over Covid Something I think Banks with their extremely short memories seem to have forgotten.

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 2022-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX and I've tried to fund my Binance US account ( XXXX ) with two separate wires - the first wire of {$200000.00} was sent out on XX/XX/XXXX and is currently being held by Binance US without allocation to my account ; the second wire of {$470000.00} was sent out XX/XX/XXXX and has been either misplaced or misappropriated on their end. I have all wire transaction number and confirmations to prove that the initiating financial institutions successfully completed sending the wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED ZERO BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE THREE MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX XXXX DEPARTMENT OF EDUCATION Account number XXXX I have disputed these accounts over and over sent letter out to creditor and credit bureau to verify this account and I have not received anything showing these accounts belong to him I have reported this account to the FTC

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 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened a Truist account with a {$500.00} bonus offer attached to it, and opted for electronic statements. On XX/XX/XXXX, I received an email saying the bonus would not be honored, without any specific explanation. At this time, I attempted to log into my account, at which point the online interface told me that my User ID was not recognized, which continued to occur when I tried again later in the week. Customer support wait times were in the 2-3 hour range and it was not possible for me to operate on this schedule. 

Given that I was told the offer wasn't honored and my account was no longer usable online, it seemed clear to me that my account was closed. However, on XX/XX/XXXX, I received a paper statement in the mail ( despite having opted for electronic statements ) indicating that I was charged both a paper statement fee and an account maintenance fee, totaling a charge of {$14.00}. This is unacceptable, particularly given my lack of access to the account because of Truist 's actions and the lack of availability of its customer service.

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 2022-03-29 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2022-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XX/XX/2022, a letter was sent to me from XXXX XXXX  indicating that the bank had used a so called " credit score '' of XXXX from XXXX XXXX XXXX erroneously. XXXX XXXX XXXX, a subsidiary of XXXX, is NOT a credit reporting agency but a consumer reporting agency. Thus Ally Bank used a low score of XXXX from XXXX, XXXX XXXX XXXX XXXX of the factors leading to the denial of my loan request on XX/XX/2022. 
Ally Bank in black and white wrote, " Information about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision ''. etc. This is wrong! An injustice and misappropriation of a consumer report that has nothing to do with a credit report that determines the credit/spending/earning power of the applicant. Once again, it is merely a " consumer report '' with insurance information and residencies ; absolutely nothing about spending habits.

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 2022-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rock Creek Capital, LLC
State: TX

Complaint narrative:
I participated in the XXXX XXXX XXXX XXXX by leasing a XXXX XXXX back in XXXX. The XXXX XXXX XXXX  was then sold to XXXX in XXXX and I returned the leased vehicle to XXXX  in XXXX of XXXX. I never received any notifications from XXXX  regarding any outstanding amounts that were owed on the lease. More than 2 years after I returned the vehicle, the portfolio was again sold to Rock Creek Capital , LLC. Rock Creek apparently decided that I still owed {$400.00} on the lease ; however, I never received any correspondence from them regarding this amount. The balance was then apparently forwarded to XXXX XXXX XXXX XXXX. Again, I never received any phone calls or correspondence from XXXX  regarding the " amount owed '' and then I received a negative mark on my credit report due to this balance. I would like this negative remark removed from my credit report. I never received any emails from them either ( I confirmed they had a correct email ). I contacted XXXX  to remove the negative mark and they refused because they claimed they had attempted to contact me. However, they had outdated address information due to the lease portfolio being from nearly 3 years ago. I even have a friend still living at my old address who confirmed they never sent me any notices. They had my SSN so I am 100 % confident XXXX  could've obtained my correct address and contact information if any effort was put into that at all. This is a predatory company working with another predatory company. I would like to request again, through this complaint, that the negative mark be removed from my credit report.

Company response to consumer: Closed with explanation