vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-25 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: CA

Complaint narrative:
XXXX  FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on XXXX   side. 

This error also appears on Transunion stating I have a negative account with XXXX when the account also shows paid on time.

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 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I used my Comenity XXXX rewards card in late XXXX/early XXXX and my bill was due on XX/XX/XXXX. I get my statement for XXXX and it is the old balance along with interest and a late fee of {$27.00}. I sent a check on XX/XX/XXXX and when I called Comenity it said it arrived on XX/XX/XXXX, 11 days later. They told me they had already removed a late fee from XXXX and can only do so every 18 months, I then said that I RARELY use this card and recalled that I mailed my check on either XX/XX/XXXX or XX/XX/XXXX, it was due XXXX XXXX. And again it didn't arrive until either the XXXX or the XXXX. Told the guy this was very fishy and was going to report it. I am pretty sure these are the only two times I have used this card in the last year. I have since cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am Capital One credit card customer, and saw webside 360 Money Market promotion using promo code EARN500 to earn a {$500.00} bonus for balances of {$50000.00} or more, or a {$200.00} bonus for balances between {$10000.00} - {$49000.00}. XX/XX/XXXX I online open a A/C # XXXX and received confirm Email shown And dont forgetsince you opened your account with promo code EARN500, you have the opportunity to earn a cash bonus. ( see attached file XXXX ) After 90 days I didnt see bonus pay, XX/XX/XXXX I call Capital One and the representative Mr. XXXX said about XX/XX/XXXX shall process bonus request ; XX/XX/XXXX I still didnt see bonus pay, I call again and talk with the representative XXXX, then manager XXXX ( XXXX ) that they said I had a Money Market A/C in XX/XX/XXXX, and Closed XXXX ( too long, I no record ), so not qualify get bonus. I told them if not qualify {$200.00} bonus, why you accept my application and XX/XX/XXXX transferred {$10000.00} from my bank account ; and or you must prompt notice me can't get bonus qualify reason. I ask them still pay {$200.00} bonus. 
Thanks, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In early XXXX I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific hard inquiries on all three of my credit bureaus. The letter detailed the specific inquiry in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau, Experian. 

Below are the detailed inquiries I asked to have investigated in early XX/XX/XXXX. None of the 3 credit bureaus responded. Literally, zero response. Which violated the law since they needed to respond in writing within 30 days. I am now requesting under the FCRA since the credit bureaus did not respond to the CFPB investigate this matter further and for the credit bureaus to provide written evidence of their investigation. Please see the attached documents and items details below that were originally being requested to be investigated and evidence provided of an actual written request for a hard inquiry. 

Experian - Inquiries to be investigated : 1.Inquiry Date XX/XX/XXXX, and XXXX, XXXX ( 3 times ) Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX NOTE : The inquiry above should only be once, not 3 times! An error was made by the Experian or the vendor. Only 1 inquiry should show. Please investigate per FCRA. 


2. XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, NE XXXX BYMAILONLY Note : Above, This is not recognized and should be removed. Please investigate per FCRA. 

3. XXXX XXXX XXXX 
Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, VA XXXX Note : Above, the XXXX XXXX should have been a soft not hard inquiry per XXXX  XXXX as an existing client. Investigate per FCRA 4. One MainInquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Note : Above, I do not recognize this company and do not recall giving authorization. Please investigate per FCRA. 

5. XXXX XXXX XXXX Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Note : Above, I do not recall requesting a credit card in XX/XX/XXXX from XXXX. Please investigate per FCRA. 

Thank you, XXXX XXXX XXXX CFP ( R )

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 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account.

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 2019-11-25 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: OH

Complaint narrative:
I contacted Experian with a dispute in writing as soon as I noticed a debt for {$590.00} on my credit file in XX/XX/2019 from Report Number : XXXX Account Name XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX   Contact Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX  XXXX XXXX, GA XXXX I sent in a copy of my drivers license and deed to my house and a utility bill, and my birth certificate. the debt in question is a total different person, in a different city and different name. The attorney for XXXX has confirmed that this is not me, but Experian will not remove it from my credit file, going on the 5th month and it dropped my points by 50 plus!! I can not apply for my XXXX card or XXXX card and I'm still waiting to do my refinance on my house, but I cant until this is taking care of. When I called the attorneys office again to check on the status, they told me Experian was givien the info several times to review and delete it and has not responded.

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 2019-11-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC has not removed this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to Ally Bank an online bank that went to XXXX XXXX e located in XXXX XXXX CA. XXXX stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into 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 2019-11-25 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: ID Analytics, Inc.
State: MO

Complaint narrative:
Submitted information for application for credit loan to XXXX XXXX car salesman. Application for credit was sent to XXXX XXXX  an online bank that went to Sagestream Credit e located in XXXX XXXX CA. Sagestream stated my Credit score was XXXX that was incorrect my actual Credit Score is XXXX. I feel I was Discriminated against because I am XXXX XXXX. My application should by been approved not Denied. I want an investigation into XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper has had numerous issues with their website since we have been transferred to them for loan servicing. I most recently tried to cancel a payment on their website by clicking the cancel button immediately after submitting the payment. The cancel button did not do anything. I tried calling but their systems were down every time I called and they were unable to access my information. I asked them to cancel that payment via secure message. Instead, they assessed a {$30.00} fee. After numerous phone calls with incompetent customer service and people who say they are supervisors, they refuse to remove the fee that was caused by their website error glitch. They are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
I was in deferment since XX/XX/XXXX. Navient is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XX/XX/XXXX, XXXX, and Navient all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: Nelnet, Inc.
State: NV

Complaint narrative:
I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with Nelnet as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XXXX, Nelnet, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: NV

Complaint narrative:
I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that Experian, XXXX, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL THREE CREDIT BUREAU 'S ARE ALLOWING XXXX AND XXXX  TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. THIS INFORMATION WAS JUST UPDATED AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.

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