vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
On my TransUnion credit report I have two creditors reporting the same account. The original creditor is XXXX XXXX XXXX  who sold the account to XXXX XXXX XXXX. Now I have this same account reporting negatively on my credit report twice.I disputed this earlier in XX/XX/2020. I called them today XX/XX/2020 and they resolved the dispute as correct as if the creditor who no longer owns this account can report this account as collections. Now I have the same account in collections twice, I resubmitted the dispute questioning the authority of XXXX XXXX XXXX  to collect this account, since they dont own this account they should be removed from my credit report. I called XXXX  XXXX XXXX  and they said that they are not reporting this account because they no longer own the account. I am at the middle of the two companies and my credit is hurt from this. I will pay the current creditor but the old creditor needs to be removed from my credit report. TransUnion is overlooking the dispute and is just calling XXXX  XXXX to verify the account as accurate, not verifiable as this account is no longer owned by them but by XXXX 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 2020-03-12 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: NY

Complaint narrative:
as previously states, 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 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
1. Bank refuses to provide access to account statements in violation of the Truth in Savings Act. Bank blocked online access and will not provide an accounting. 

2. Bank refuses to process disputes regarding unauthorized transactions on account. Because the bank blocked access to statements, a timely dispute can not and could not be filed. 

3. A deposit of {$40.00} was mailed to the bank. Bank rejected the deposit, but only sent {$34.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.

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 2020-03-12 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 PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NRA Group, LLC
State: IN

Complaint narrative:
Hello, XXXX XXXX added an account to my credit report of {$720.00} for a phone in which I have never had. Back in XX/XX/2019 when I was XXXX XXXX XXXX, I went into XXXX XXXX to purchase a new phone as a new customer with their company. The XXXX representative in the store tried setting me up for an XXXX XXXX  that was yellow and tried transferring my old telephone number over from XXXX XXXX. He tried on three different yellow XXXX and failed each time resulting in him giving me a totally new number connected to a brand new blue XXXX XXXX. XXXX is now sending me a bill for the yellow XXXX   when I have never even had this phone since the employee said that the yellow phones wouldnt work ( burner phones ). They now have an account linked to my name on my report for the burner phone and I would like the situation fixed. I received a bill in the mail for the burner phone but XXXX and XXXX XXXX claims they dont see anything on their ends.

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 2020-03-12 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: GA

Complaint narrative:
On XX/XX/2020 I sent dispute letters to TransUnion, XXXX, and XXXX  because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This Acc # is close also paid off I call them to fix it they said I would have the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
These are not my accounts. I did not authorize these credit pulls.  There are addresses where I haven't lived, and there is a name that doesn't belong to 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 2020-03-12 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
NAVY FEDERAL MARKED MY ACCOUNT AS 30 DAYS LATE. I HAVE NEVER HAD A LATE PAYMENT WITH THEM IN ALL THE YEARS I HAVE HAD THE ACCOUNT. I MADE MY PAYMENT ON XX/XX/2019. XX/XX/XXXX WAS A SATURDAY AND MONDAY WAS XXXX XXXX. NAVY FEDERAL DID NOT POST MY PAYMENT UNTIL TUESDAY XX/XX/XXXX WHEN I MADE MY PAYMENT BEFORE XXXX ON SATURDAY XX/XX/XXXX. I HAVE CONTACTED NAVY FEDERAL SEVERAL TIMES BY PHONE AND I WAS ADVISED TO DISPUTE IT WITH THE CREDIT BUREAUS. I HAVE CONTACTED THE 3 CREDIT BUREAUS BY PHONE AND MAIL AND THIS ISSUE HAS NOT BEEN RESOLVED. I WANT THIS LATE PAYMENT REMOVED FROM MY CREDIT IMMEDIATELY AS I WAS NOT 30 DAYS LATE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NV

Complaint narrative:
These are not my accounts. I did not authorize these credit pulls. There are addresses where I haven't lived, and there is a name that doesn't belong to 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 2020-03-12 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: NV

Complaint narrative:
These are not my accounts. I did not authorize these credit pulls. There are addresses where I haven't lived, and there is a name that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2020, My husband and I called Capital One after noticing a huge drop in his credit score of almost 200 points. We were obviously extremely worried and saw that there was reported 2 missed payments reported from the Capital One account. We knew that we submitted a payment via the online app from our XXXX account and we had no contact from Capital One that the payment had not gone through or that the account was delinquent. We called Capital One and upon speaking to the representative about the problem they said that our bank had pushed back the payment ... but from an account that was not listed on our payment options and had been closed for more than a year now. The account wasn't even listed on our side and yet they still had the information from their records and tried to process the payment from a closed account. Of course it would be pushed back ... When I asked her to why they would try and process it from that account when it had already been taken off the list as a valid account to submit payment, she couldn't answer why but the account was still listed on their side and pushed me to just file a complaint with the credit bureau instead. It was infuriating. Lack of communication and a complete mistrust of private financial information. They wouldn't pick up the mistake they had made by not processing the payment on the right account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
1. Wellsfargo refuses to provide the {$5000.00} to my Equity account that was from the Frank Dodd program, the month after the 6th Anniversary. 

Wellsfargo sent me the letter & when it's time for me to get the funds credited to my account, the response was, they did not offer what I just shared. 

My proof shows their employee XXXX sent me the information, & I returned the Frank Dodd document with my signature per XXXX who is an employee at that time & I believe she still works for Wellsfargo.

2. I'd also would like to know what the various codes pertaining to my Equity account.

I'd like to know what the following codes are & how it's affecting my account.

Codes used : 46 R, 46 P, 46 2, 30P, 36P, 36R, 3. I still feel that Wellsfargo has not truthfully serviced my Equity account in the manner it should be carried out.

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In the month of XX/XX/2020, I was charged a {$39.00} annual fee. This is a 1 % cash back card which has a {$400.00} credit limit. I called XX/XX/XXXX as I had a {$110.00} balance and I anticipated only having a {$79.00} charge. XXXX from capital one said I was charged annual fee. I told him to close my account and waive the annual fee as I would no longer use the account and that I had never requested the annual fee waived. I also added that due to my credit limit of {$400.00} the 1 % cashback would not benefit me since my cash rewards would only be up to {$40.00} which the {$39.00} annual fee would take. He said that the annual membership fee benefits me but could not explain how. He continued to say that there were no offers to credit the fee and said sorry. I would like the CFPB to look into UDAAP unfair abusive practices for this card as i feel it does take advantage of a consumer with this low of a credit limit as the annual membership fee will take up the 1 % cash back anyway. Additionally, the highest amount of cash back I have ever received was {$13.00}. My request is to close the account and waive the annual membership fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The loan is paid off I just don't see why the company the acc is close but still have a debt showing in my credit report want to clear this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cannon & Cannon Firm PC
State: UT

Complaint narrative:
I was sent a letter saying I owe a debt from XX/XX/2018 that I knew nothing about. I asked for verification of the debt. I asked to provide me with copy of the application. Any identifier such as driver 's license or anything. All I received was a single of paper with the 360 % interest rate a phone number that not mine from a place in XXXX, Tennessee. I file a FTC report and send them a copy. I filed a police report that they received a copy of. They are demanding a copy my driver 's license but I'm hesitant to give that out.They already have more information than I am comfortable with. They just served me papers after I felt I was being cooperative. I will send them a truncated copy of my drivers license. I receive no benefits from this company no money, no renumeration, whatsoever I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 has been compromised and used without my consent. There has been many credit accounts that I do not recognize reporting erroneously. None of these accounts have ever been used or solicited by 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 2020-03-12 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 has been compromised and used without my consent. There has been many credit accounts that I do not recognize reporting erroneously. None of these accounts have ever been used or solicited by 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 2020-03-12 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: GA

Complaint narrative:
On XX/XX/2020 I sent dispute letters to XXXX, XXXX, and Equifax because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
On XX/XX/2020 I sent dispute letters to XXXX, Experian, and XXXX because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.

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 2020-03-12 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: TX

Complaint narrative:
Please remove these accounts that aren't mine.

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 2020-03-12 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: TX

Complaint narrative:
Please remove these accounts that aren't mine.

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 2020-03-12 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: TX

Complaint narrative:
Please remove these accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been filing dispute with Equifax for over 3months now. Im a Veteran, I recently returned from Overseas duty station ( XXXX ). While I was overseas I used to have a Pay as You go cellphone plan with XXXX. Since returning, I have been harassed by a collection agency, for unpaid cellphone bill from XXXX ( XXXX $ ). Despite multiple attempts, the collection agency has refused to Validate their claim. They keep sending Invoice to Equifax. I have submitted over 8pages of affidavit and evidence with the dispute application. Equifax keeps enabling fraudulent collections by lowering the standard of proof for the collection agency. Equifax keeps sending dispute results stating Ownership of debt has been verified by lender. Which Is a complete untruth. Invoice is not proof of ownership or liability. I have emails with admissions from original creditor, that they do not have a contract signed by me. Furthermore, collections against XXXX XXXX Servicemembers without a court order is a violation of the ( SCRA ) Servicemember Civil Relief Act. Equifax is playing an equal role along with a disreputable Collection Agency, in attempts to take advantage of Military Servicemembers, Veterans and family members returning home. This type of business practices by Equifax and collection agencies, is the main reason Veterans have a hard time adjusting to civilian life and later leads to rage and emotional breakdowns. Filing a Civil Suit is not an easy process, and most times people of lesser means dont have that option. Collection agencies are well aware of that fact, and they take maximum advantage. The collection agency in question has refused to show proof of debt ownership. When I disputed the claim with collection agency ; the collection officer explicitly stated that paying XXXX $ to him will be the easiest and fastest way to close the case, and if I were to keep asking for Validation, he would take as much time as he needs to address the issue. I have never received any Credit service from any European financial institution. I have never entered a contract with the Cellphone service provider. I canceled the cellphone service in accordance to XXXX and SOFA Outprocessing guidances, I have provided several documents proving my dispute ; Equifax didnt even look at the documents.

Company response to consumer: Closed with explanation