vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is engaged in willful, diligent and deliberate violations of federal law by attempting to collect this alleged debt and is currently furnishing this inaccurate account to my consumer reports illegally. They have refused to respond to my last CFPB complaint which included my first Affidavit of Truth to them and they did so by deceptively marking it as a duplicate complaint. They might attempt this deceptive tactic once more with this complaint although I have included my newly updated second Affidavit of Truth attached below which they received and signed for on XX/XX/2021. As outlined in my previous two Affidavits of Truth now in their possessions National Credit Systems has broken countless federal laws which I have carefully explained and narrated in those documents. All my remedy demands outlined in these documents are demands and not request as is my right as the federally protected consumer and natural person. This company is currently causing me lots of injury and further delays and illegal actions by them will only worsen this matter for them as I progress through my private administrative process. I advise whoever at National Credit Systems who receives this complaint and second Affidavit of Truth to forward it to your executive leadership and legal team. Your legal team will understand what these documents actually represent and mean. National Credit Systems is delaying and acting like these issues ( their blatant violations of federal laws ) will go away if they stay silent or like they can get away with it. However, as I diligently move through my private administrative process things will only get worse your company in the near future. You have time to resolve all outstanding issues by providing all my outlined remedy demands which includes paying the attached invoice. Again these are all demands and not request as the original creditor, federally protected consumer and natural person pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA and under Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a Visa Debit card from US Bank ReliaCard in the mail on XX/XX/2021. It stated to activate card before you use, I never applied for this card. On the back of the form the card came on states it is for The Ohio Unemployment Insurance Program. I filled out a form online with the credit card company ( US Bank ReliaCard ) stating that it was fraud. My identity was stolen last month & used to try & get Unemployment benefits for the state I live in.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The credit card Citicard ( Costco ) company reduced my credit limit twice. The first time was in XX/XX/XXXX. The second time was on XX/XX/XXXX on the exact same day that I used the card to make a purchase. They allowed the charge to go through and then lowered my credit limit so now my balance is over the credit limit and my minimum payment due is very high. 

My original credit limit was {$11000.00}, which was then reduced to {$6600.00} in XX/XX/XXXX with a vague letter saying that my payments were low with them. 

My credit limit was further reduced on XX/XX/XXXX to {$4900.00} on the same day that I purchased a computer. As I said above they did allow the charge for the computer to go through and then immediately after that on the same day lowered my credit for the second time. Since they allowed the charge my balance is now over the limit which affects my credit and other credit cards. 

This is a terrible thing to do during a pandemic. I have never missed a payment with this credit card.

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 2021-03-10 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:
I, XXXX XXXX Noticed all my accounts from 2020 was showing late payments and other negative remarks on TransUnion credit report. 

I sent TransUnion an Affidavit signed and Notarized ( XX/XX/XXXX ) showing them the law below. 

I am sure Late payments 2020 should all reflect up to date pursuant to The Coronavirus Aid, Relief, and Economic Security Act based by Congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 )

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 2021-03-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I formally request that this inquiry be immediately deleted from the credit file that you maintain under my Social Security number. Also I want to remind you that this inquiry is 2 years 1 month old. It should be removed from my credit reports.

WF CRD SVC Inquired on 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 non-monetary relief
Consumer complaint received 2021-03-10 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:
On XX/XX/XXXX, I filed a dispute with Equifax credit bureau asking for inaccurate information to be deleted off my credit report. In particular, Equifax has been reporting a bankruptcy on my credit report that belongs to someone else - my father. 

To explain further, my father and I share a similar name, with the exception of our middle initials. Further, our SSN differ by only the last number. On XX/XX/XXXX, my father filed for bankruptcy - this is the event that Equifax is reporting under my file and will not event under my file. 

I have explained to Equifax the above and have also provided screenshots from the Public Access to Court Electronic Records ( " PACER '' ) system reflecting that there are zero records under my SNN and three records under my father 's SSN, including the XX/XX/XXXX bankruptcy. 

When I filed my initial dispute in XXXX, I was told that I would receive a response within 30 days. However, I never received such information. It was not until after 30 days, when I called Equifax as a follow-up, that I was informed that the bureau had concluded that the bankruptcy did indeed belong to me - again, this is inaccurate as I have never filed for bankruptcy. When I inquired as to what investigation was performed to come to such conclusion the representative explained that their " back office '' handled the investigation, but that he was unable to provide any further information. 

On XX/XX/XXXX, I spoke with a representative who explained that the investigation was completed on XX/XX/XXXX. She then explained that the bureau had 30 days from the day it completed its investigation, i.e., XX/XX/XXXX, to provide me with an explanation. I then explained that the 30 days timeframe begins from the date of my dispute, not from the day the investigation is " completed. '' She then stated that her records show a letter was emailed to me but could not provide an exact date of when it was emailed ( I never received any emails from Equifax regarding the investigation results ). 

With respect to the documents I provided, I was told that their back office ( mailing center ) handles all faxes and that they had no ability of getting in contact with them. When I questioned the representative further, she did admit that they did in fact have an ability to contact the back office but they can't call them about this issue. 

The way Equifax appears to perform these dispute " investigations '' on a lack of facts or due diligence. Had a reasonable investigation been performed, my credit file would have been updated and corrected. I fear I am not the only consumer that has been treated this way and the credit bureau should be investigated for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, TXXXX XXXX XXXX/XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from TransUnion regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I applied for and rcvd The Emergency COVID forbearance due to financial difficulty 's resulting from my tenants hardship due to COVID since XXXX XXXX.XXXX XXXX sent all COVID exempt customers ( such as myself ) an agreement that during the COVID forbearance period ( mandated by law ) they would not report non payment to any of the 3 agencies. They DID report it and in fact reported every month as a default and negative credit report. The COVID forebearance laws are public knowledge through out USA ; therefore they have violated their contract w me.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
In XX/XX/21 I was a few days late paying my bill which is always $ XXXX. I am usually on time. The bill is due by the XXXX of month. I paid the {$29.00} on XX/XX/21. The company refused to remove an assessed {$20.00} late fee for XXXX and even though I paid {$29.00} for XXXX they assessed another {$50.00} onto the bill, deeming me past due ( {$20.00} ) asking for {$79.00} due for XX/XX/21. I called several times today and qualify for the Hardship Program which will start, according to the rep in XX/XX/21. The rep told me a payment of {$59.00} will be due XX/XX/21. I explained I don't have {$59.00} to pay, as evidenced by my request for the hardship provision. 

The rep informed me that I will go down in the record as having refusing the {$59.00} payment and will remain in a 'past due ' status for the remainder of the loan. I asked if the initial payment could be reduced to the customary {$29.00} and she told me " No. '' I asked if that wasn't the whole purpose of hardship assistance and she tersely responded : " I ... already ... explained that to you. '' I asked if it would negatively impact my credit score ( being in a 'past due ' status ) and she said it might. She suggested somehow " Paying it to catch up. '' I find that unacceptable and though I appreciate being put into the Hardship Program, I feel the inclusion comes at a price that exceeds my ability to pay, making the option a moot point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XX/XX/2020 Inquiry on report Title 15 1681b Did Not have my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: OneMain Finance Corporation
State: PA

Complaint narrative:
XX/XX/2020 Inquiry on report Title 15 1681b Did Not have my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STERLING JEWELERS, INC.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
On XX/XX/2019 XXXX XXXX add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file. 

In the previous responses ( XXXX and XXXX ) the company did not provide me with the documents. The complaint XXXX was closed as a duplicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I banked with Wells Fargo in XXXX Texas .... I was offered an advance loan with my first stimulus payment and I am XXXX years old and was advised I could pay it back ... ... I never asked for this advance loan ... ... .and then never received anything about this advanced loan from Wells Fargo Then I got my second stimulus check for {$1200.00} and it was in my bank account and I went to withdraw it .now on XX/XX/XXXX, XXXX And my account is the negative for {$1800.00} ... I never use this account ... 
Then when I call them they said i should of never received the stimulus check for {$1200.00} ... ... 

I do not understand..why Wells Fargo is doing this ...

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 2021-03-10 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: I.C. System, Inc.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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