vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
This bill was paid in XXXX ; incorrect credit reporting as there was never a collection to be reported in the first place. This collection has dropped my score over 150 points, and now I can not get the house I want due to a collection that should not even exist! Every time I would call to get this resolved and let them know it should be removed, the XXXX was updated, so it just drags my score down even more. I can not even deal with this issue with the creditor because they refuse to listen. This is NOT my collection ; period. I didn't even live there since XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Immediate Credit Recovery
State: PA

Complaint narrative:
I was told this company represents my XXXX carrier yet no payments have been made towards my loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX bank and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.

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 2021-11-10 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: NY

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America I have left repetative messages today, throughout the day. Give a number : By a XXXX, to reach XXXX XXXX XXXX, ext XXXX Mountain central time : XXXX MCT. No one answers ever. goes into a general mail center. I have left my number each time? tells mt, XXXX must make contact before XX/XX/XXXX I believe he said to speak with this XXXX XXXX I am trying but I have appointments as well, MD check ups etc .... I am trying so hard. Tells me they are a debt collection service on message? This is a LOST card. I have been making pays on the {$1500.00} cash withdrawn when I had the card XX/XX/XXXX. ever since plus intrest. of {$75.00}? I believe they had said a XXXX time charge.? never really explained. I made a payment that has already cleared today of another {$85.00}. 


I need some help with these people. Please

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 2021-11-10 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: CA

Complaint narrative:
In 2017 I received a 1099-C Cancellation of Debt.

Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. 

Income is not reported on Consumer Credit Files/Reports 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account showing on my report with all 3 credit co., is XXXX  XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the 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 2021-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account showing on my report with all 3 credit co., is XXXX XXXX XXXX acting as a debt collector, the last payment was XX/XX/2014 that makes it over 7 years old, called all 3 companies and they have refused to remove the item, this is my right to have anything more than 7 years old to be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I recently submitted disputes to the credit bureau XXXX I frequently do this whenever I see that incorrect information is being reported on my credit report however after submitting a dispute today XX/XX/2021 I noticed that the dispute no longer needed to be active the correct balance Was in fact listed on my credit report so there was no need for a dispute any longer I contacted XXXX and was told that there was nothing they could do I have made repeated attempts to contact Experian without being able to actually speak with someone and theres no option to email customer service so high in accurately reported dispute information how is it not possible to get that fixed I want disputes on there that are correct but I dont want something thats incorrect Bing on my credit report XXXX has made it absolutely impossible to Cance to get a hold of someone I am shocked that Im not only asking that the dispute be removed Im just asking that it be resolved or closed if its no longer needed then why can it not be closed. Im beyond XXXX off at this, they want to make sure everything is is accurate but I cant resolve something thats inaccurate on my own 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 non-monetary relief
Consumer complaint received 2021-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP

Complaint narrative:
I noticed that the reporting regarding XXXX XXXX was inaccurate in XX/XX/2021 of this year. As a result I tried to contact XXXX, Transunion and XXXX regarding the reporting. The balances were inaccurate and the dates of delinquency. I resolved this account with XXXX XXXX and the account is paid. I have not received any response from any of these companies as required by the Fair Credit Reporting Act. There is no response and this is well over 60 days. 

I sent a follow up letter XX/XX/2021, and still no response as to why, or any validity to the information being reported on my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: FL

Complaint narrative:
I received a letter from the XXXX XXXX XXXX department saying they could not issue me a credit card -- I had never applied for a XXXX XXXX card. Yesterday, I received in the mail, a credit card from US Bank -- I had never applied for. I called the security department of both of these entities and told them that I did not apply for the credit cards. Whomever applied has all my personal information including address, social security number, dob, etc. The only thing they didn't use was my correct email address. The companies could tell me that the applications were made on line and used a XXXX e-mail account ; which I do not have.

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 2021-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I believe that CapitalOne Bank and credit card company may have a ring of employees that steal and/or sell or leak previous card holder personal information. 
Why? Years ago I briefly had a credit card but closed the account. Then a few years later I checked my credit score and credit history and it showed another capital one card was opened under my ID. I then called capitalone and reported that I never opened it and to close it. Which they did. 

So, the previous fraud of my ID being stolen through capital one is suspicion. 

Then, today, I received two phone calls one right after the other ( sounded like the same woman but gave two different application reference numbers ) stating that they need more information to process my application. 

I phoned capitalone 's main number off their website ( XXXX # ) and XXXX transfered me to XXXX who claimed that the phone number XXXX was indeed capital ones fraudulent number. However, when I search online, I get conflicting claims. Some people claim its not capital ones fraud department while other 's say it is. So, obviously I am confused. 
But even if it's capital one 's number, the issue is the ongoing fraud that I and other 's have to fight due to capital one 's lack of security and possibly, the lack of honest employees. 
I told XXXX, the capital one 's representative everything I am writing here and that there is no way my personal information would be circulating as I have my credit frozen due to CONSTANT ID theft and sadly, I don't have a life and never give out my personal information. And, why do they steal from people? She said they are smart and use their intelligence to do so. I said they aren't smart as they steal from the poor and then I suggested perhaps they are within capital one. That right there, was a big red flag! 

She then backtracked and said that I could call the fraud phone number on capital one 's website instead of the ( XXXX # ) if it made me feel more comfortable. 

I truly hope CFPB the FBI and FTC will investigate this crime. And shut it down! 
And give restitution to all the victims! 

I also did a internet search and have seen sooooo many other people that have had their ID stolen through capital one 's lack of security ... or is it that they have a ring of thieves working for them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.

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 2021-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased airline tickets from XXXX for {$1600.00} with my CapitalOne card. I never got my tickets and then called the airline to inquire about the tickets. I found out that our flights were canceled by the airline. The airline then issued a full refund. XXXX bought the tickets with their credit card not mine, so the refund was issued to XXXX and they did NOT refunding my credit card! 

I have called them several times and just hang up the phone when looking up my purchase. 

I then filed a dispute with CapitalOne and they first said that would take some time to get refund. Then CapitalOne said that they can not help me as the XXXX paid for the tickets with their card. I don't understand why capitol one can not just do a chargeback?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: National Business Factors
State: NV

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I reached out to both the creditor ( HSBC ) and XXXX concerning the debt that isn't mines. XXXX was noticed via USPS certified mail with returned receipt on two occasions starting 3 months ago. I'm yet to get a reply in the mail. I have the returned receipts in my possession as evidence dating back to XXXX and XXXX respectably. Today I decided to contacted XXXX, this time by telephone since I'm yet to receive any documents with a plausible explanation or results concerning my dispute. The representative from XXXX claimed they removed the item but it was placed back on my credit report by the creditor ( HSBC ) and moreover, that they could not remove it again and I couldn't dispute the account again. The representative refuse to accept my request to dispute an inaccurate account. After explaining to her I've contacted the creditor. She claimed that it was nothing she could do for me. I'm dumbfounded by the red tape here. I need your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureau is reporting inaccurate information on RECEIVABLE MANAGEMENT GROUP ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
RECEIVABLE MANAGEMENT GROUP ***** Opened XX/XX/XXXX Balance {$180.00}

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The Fraud via Wells Fargo started on XXXX XXXX. 
And continued to XX/XX/XXXX. 
I was notified via notification from my app that my card was declined aprox at XXXX on Sat the XXXX. I looked at my account and saw a charge for {$380.00}. In the state of WI. 
I quickly called my bank to let them know. 
I later that day received a call from a " XXXX from Wells Fargo Fraud debt ''. 
XXXX told me he was working on my case. He had ne verify whom I was via verification code he then text me. 
He assured me he was doing all he can to help me. But warmed me to stop logging on as the hackers were continually getting access to my account. He could even see that I had chaged my password and told me it was compromised and to verify it in the text verification again!! He advised me to remain OFFLINE of the WF app while they further their investigation so I would not further compromise my accounts! 
Now XXXX called me back on Monday then on Tuesday. He assured me they almost had everything resolved and almost all my money was back into my account as he continued to sending me verification codes so he could send me all the money back to my account. XXXX XXXX. 
He also had got my husband on the Line via a 3 way call to verify both our accounts info and passwords. 
By this time the scammers were apparently working every account and cleaned our everything!!! 
It wasn't untill my husband got a call while at work, on Tuesday the XXXX. The exact moment I was still online with XXXX! 
It was the ACTUAL Wells Fargo saying that my husband 's card was now being used! 
My husband text me and told me to Quickly hang up! 


That's when I called Wells Fargo fraud dept on back of my card and reported EVERYTHING!! 
As did my husband! 
We spoke separately to 2 different Fraud agents and made claims. All 3 accounts were closed and 3 new accounts were opened. 
Passwords were changed with online banking as well. 

By then it was too late. 
They cleared out {$1100.00} of my personal savings and $ XXXX of my special needs daughter 's savings. 

Wells Fargo not only is denying my claim. 
They even tried blaming my husband for part of the transitions. 

This has created sooo much financial heartache & stress!! 

I have been with Wells Fargo for nearly 30 year 's. I would think they'd have my back in a situation like this. 
But they DON'T!! 

I need help PLEASE!! 

My child 's life savings ....

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