vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My mortgage account with XXXX XXXX was on a forbearance plan effective on XX/XX/XXXX in accordance with the CARES Act passed by congress. The agreement was that no payment was due for an initial 90 day period and possibly longer, and once the forbearance period ended, all deferred payments would be due. During this period the account would remain in current status and no negative information was to be reported to the credit bureaus. The payments for the months of XXXX, XXXX, XXXX, and XXXX were deferred and in XXXX I paid the full amount due and completely paid off the mortgage. XXXX acknowledged full payment in a letter dated XX/XX/2020. In direct violation of our agreement and the CARES acct passed by congress, XXXX report my mortgage account as " 60 days past due '' for the month of XXXX causing a decrease of my credit score and unfavorable terms for a new loan, and causing further undue hardship. Negligence on the company 's part is a recurring theme as I've had to make multiple complains in the past year.

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 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After reviewing my Best Buy/CITI visa statement, I have been getting charged a debt protection fee since at least XXXX of 2018. The accumulated total for those fees since XX/XX/2018 is {$450.00}. I never agreed to any type of protection service and I am not exactly sure when this fee started to appear on my statement ( I can only go back to XX/XX/2018 ). I recall a similar incident with Best Buy some time ago before the Best Buy credit card transitioned to a CITI Visa. I asked them to remove the protection and credit me back and they did. Today I spoke to Best Buy and they agreed to remove the protection going forward but a refund would have to wait 30 days to see if it was approved or not. So they have been charging this fee for nearly 2 years but I have to wait 30 days to see if they will approve crediting me back. There are no guarantees it will be credited back to me and from the research I have already done, it appears most folks are not successful in receiving a refund from Best Buy.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Harley Davidson Financial Services still shows my account as a bad debt for collection with a balance of {$10000.00} although the account was included in my bankruptcy ( BK final XX/XX/2020 ). I have called into their customer service line XXXX separate times ( XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) to correct the reporting. They will temporarily fix the credit reporting and then the balance/collection will reappear months later on my XXXX, XXXX, and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2020-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Have called me constantly everyday since XXXX. Today XX/XX/20 the representative was rude to me because I asked for a settlement then responded he will take legal action against me. He refused to make an offer and snidely remarked no I just dont want to pay the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Over the years XXXX XXXX  would remove and then replace back on my credit file. This causes my fico score to go down. I am never given my fico points back. They also dont show correct balance. I always dispute with Equifax and company but they just shift the blame leaving me to suffer the damage of a bad credit score. It has happened again today XX/XX/2020. I put another dispute in today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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:
MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly 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 2020-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly 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 2020-09-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of. Section 511 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them promptly. I demand these accounts be deleted immediately or I will be forced to take action with the Federal Trade Commission. This has been truly stressful. My information was also impacted by the Equifax data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report. It's ridiculous for them to have even taken this long to remove clearly inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, XXXX, Transunion ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX   XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, Equifax, XXXX  ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX  Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX    XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX University reported to the credit bureau Transunion that I owed {$14000.00}. I took a class at XXXX XXXX in XXXX and my then employer agreed to pay for the class which was {$3000.00}, not {$14000.00}. For one, XXXX XXXX should have either contacted me or the employer for the payment, versus going directly to reporting to the credit bureau. Secondly, the amount reported is fraudulent and I plan to file a complaint with every agency that I can think of. I am beyond frustrated with my experience with XXXX XXXX. I attended school here from XXXX to XXXX pursuing my XXXX in XXXX. Every semester that I would speak with my advisor, new classes would arise that I needed to take in order to receive my degree. Instead of it taking 2 or 3 years, it took me nearly 5 years. Then by the time I did XXXX, I had almost enough classes for a XXXX, but NOT enough classes to sit for my XXXX. This was my sole purpose of pursuing an XXXX, in order to take the required classes to sit for my XXXX. Then, I still had to take an additional class, which brings me to where my employer agreed to pay for the final needed class. I would never suggest anyone to attend ; they are scammers falsely representing a XXXX based University. 
My main concern at this point is to have the {$14000.00} negative, fraudulent activity removed from my credit file 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 2020-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a victim of the 2016 " XXXX Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/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 2020-09-08 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

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 2020-09-08 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: CA

Complaint narrative:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

Company response to consumer: Closed with explanation