vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}, {$25000.00}.

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 Lending 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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -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 2020-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Between XX/XX/XXXX until XX/XX/XXXX my card was stolen and had been used fradualty for XXXX dollars with of transactions. I was unable to use my card during this period of time because I was incarcerated for driving without a license. Upon discovering that my card was stolen I immediately called police band filled a report and notified American Express Serve of this incident. upon waiting for over 2 weeks I received a email stating my claim was denied and that the finding where correct. I then submitted my dispute against the stolen money once again and even though it is a proven fact proved by XXXX county sheriff 's office that my card was infact stolen and used without permission my claim was denied so this is absolutely not right and illegal on there part. Now I am without any money and children to support and have to wait another month maybe to even see if my claim will be denied again or accepted this time around. I will get my money back even if I have to go through arbitration to get it but this is a unprofessional absurd way to go about taking care of your customers money. You representatives have no knowledge of how fraud investigations should be Handled or even how your company works. This is a terrible way to have handled a tramitizing event for a customer that puts there trust in your company and you need to take care of my situation because you are legally responsible for properly investigating fraud and your company is just ignoring the banking laws and treating cardholder like they do matter watsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian, XXXX and XXXX have denied my request for my free credit report from XX/XX/XXXX. I have been on Income Driven Repayment plan with XXXX and XXXX XXXX XXXX XXXX since XX/XX/XXXX. All 3 are providing false information and stating I have paid XXXX nothing yet the balance shows going down every month in the defined time span. 
All 3 lie about being able to upload documents that prove they have the wrong information about my name and address. 
They have posted false information about debt in which a creditor lied to the courts in Indiana.

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have noticed on my credit report that a 30 day late payment was reported. I would like to ask the creditor to remove the late payment because my password was released on the dark web and I was not able to get into any of my accounts. My bank accounts were all in question at the time and was locked out. I was not even able to reset password by answering the security questions..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my Equifax credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is Equifax.

I called Equifax and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is XXXX, no public records Why am I denied my report? 

I also called XXXX and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: VA

Complaint narrative:
In XX/XX/XXXX, I mailed Experian a letter detailing mutliple inaccuracies contained in my Experian Credit File. The following account is listed below XXXX XXXX XXXX Account # XXXX Here are the following inaccuracies : 1. This vehicle was sold at auction XX/XX/XXXX, so how is it that I am being reported 90 day late from XX/XX/XXXX-XX/XX/XXXX, XXXX is not reporting this nformation. 
2. This report has failed to list the date that this was account closed. 
3. This report has failed to list the date of last activity. 
4. How is the account is listed as OK in XX/XX/XXXX but reported as 90 late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I provided them a copy of my FICO 3 bureau credit report will indicating the above mentioned errors. 

Experian didnt even take the 30 days to investigate with the company. All the company did was use the information that I provided and make the same changes. Its like I did the investigation for them.

1. Experian is still reporting a balance on a charged off account.

2. Experian is not reporting a date of last activity.

3. It does not list the date the account was closed.

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Although, Capital One has been contacted in an attempt to get them to update their files with accurate information, Capital One is still reporting an incorrect late Payment for XX/XX/2014. According to Capital One, they can't see this information in their system, and would make an attempt to correct this issue. It has been over 2 months, and still no action has been taken to correct this problem. 

I have filed several disputes with XXXX, but at this point XXXX is not willing to submit any more disputes for this specific account, as all three disputes already filed, come back with no updated information. 

Furthermore, regardless of the number of phone calls made, there is no resolution, and I have been placed on hold by Capital One Staff, to then find out the call has been dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I applied for pre-approval for a mortgage and was informed that they were unable to pre approve me because there is a freeze on my XXXX credit report. I also was trying to get a credit increase for one of my credit cards and they told me I needed to call the credit bureau to release a credit freeze. When I asked the credit company what bureau they used they informed me that it is XXXX.

I called XXXX and they told me there is no credit freeze on my credit report. I requested to get a copy of my credit report. After answering extensive questions for 15 minutes, to no avail I was told that unfortunately you failed the security questions and we are unable to release your credit report to you, please send us a copy of your valid ID and we sill send it to you. I don't understand that if I give you what I know and who I am. Tell you the accounts I know I have.I have no car loan, I have no mortgage, I have 1 credit card in good standing, 4 bank accounts, no student loans, no installment accounts, 5 inquiries one is Rentgrow, no public records Why am I denied my report?

I also called Transunion and requested my report via automated system without a problem and I have not received my report. 

I feel that there is definitely something going wrong with with my credit profile and I am not able to access any records.

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 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: S&N Debt Solutions, LLC
State: MD

Complaint narrative:
My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called beyondfinance.com to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told Beyond Finance to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to Beyond for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to Beyond Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called XXXX to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told XXXX XXXX to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to XXXX for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to 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 2020-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In the response to my prior complaint Mr. Cooper supplied misleading information to the cfpb in relations to denial XX/XX/0706 when they had in their records that they haven't TIMELY received documents. I have a document dated XX/XX/0606 that is almost a month prior to the denial which would have accompanied other records as well because I had to get ANOTHER copy because Mr. cooper told me verbally that they didn't have that information as well. Two Documents in relations to a modification to get me back on my feet to get me gainfully employed and out of my pitfall but at every attempt this company seems to do everything to prevent me from accomplishing assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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:
I received a notification a few weeks ago I had a new collection which was odd but was on the road driving trucks. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) with equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX Wireless-se ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX   XXXX XXXX XXXX  - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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:
I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with Transunion Credit Bureau Systems XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores   XXXX XXXX  ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )

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