vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX 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 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( NATIONAL CREDIT ADJUST XXXX, NATIONAL CREDIT ADJUST XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: NC

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 2022-01-20 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: Experian Information Solutions Inc.
State: NC

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 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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for Capital One Auto Finan which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20 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: AVANTE
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for AVANTE which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: PA

Complaint narrative:
First Progress/ XXXX XXXX  has been reporting this fraudulent account on my credit report 2021. I never had an account with them. The card appears to have a XXXX limit. The account is reporting a {$270.00} high balance. As well as reporting a late payment. This account is listed as an adverse account on my consumer report negatively affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2022-01-20 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: CA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( CAPITAL ONE BANK USA XXXX XXXX, CAPITAL ONE BANK USA XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS Credit Services Appeared on my credit says I owe liberty mutual {$4200.00} This was discharged in a bankruptcy its on all three of my credit reports Unless a creditor receives approval from the court to do so, continuing with collection activity after you filed bankruptcy is illegal. 
CCS COLLECTIONS Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I received a letter in the mail with my personal information including credit score from Wells Fargo when I did not ask for a credit report from them or for them to run my credit at any 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account was closed and I did not receive any money from the balance that was there from a check deposited. I have been told multiple things from chases telephone service and from branch managers at the chase in XXXX ca. This has been a complete fiasco and I am now having to leave my place of residence because the money that was there was directly from my workers comp insurance company and the first compensation I had received since my injury, which occurred at work, and had lost my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Never late on this account Also, how can it be 120 and 90 days late without first posting 30 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. ( DEPT OF ED/XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
The credit reporting agencies have been reporting XXXX XXXX  on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the XXXX  to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: TX

Complaint narrative:
I have been disputing the late payments showing on my account for Capital One Bank USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Since on or about XX/XX/2021, I have been trying to get this issue resolved with the XXXX company. They are a financing company. I used them to finance a 65 ' TV that was purchased from XXXX ( Not in the store ). The tv was purchased in XXXX 2021. Unfortunately, I was in a major car wreck that almost took my life! Due to my recovery time and still attempting to recuperate from my car wreck, I was not able to unbox the tv until XXXX XXXXAt that time I discovered that the tv was broken! I called XXXX several days throughout the month and was repeatedly placed on hold for exuberant amounts of time 20 minutes and longer. At the same time, usually on the same day, I would contact XXXX to advise them of the situation concerning the broken tv.. Each time I would speak to someone in Customer Service XXXX XXXX they acted like they understood what I was talking about and then they would tell me what they " thought '' I said and it was not correct! I would call repeatedly and the same situation would occur. I was told by XXXX CSR that I would need to get a refund from XXXX and they the XXXX CSR would say I need to get a refund from XXXX. XXXX has been attempting to collect payment from me for a tv I received that was broken, yet due to the continual problems that I have experienced, I did not make the payments. For the past 3 months, XXXX has been sending me emails advising me to submit proof of purchase, proof of broken tv, etc. I submitted the requested information and they still continued to send these emails. Now they have CHARGED OFF the balance {$320.00}. This has severely effected my credit. I am unable to purchase a vehicle because of this erroneous situation that they are reporting. Even though they have charged off the account I am STILL getting HARASSED with emails from XXXX Now, I am being harassed via email and text message from True Accord, I think that is the collection agency that purchased the account. This is absolutely ridiculous! XXXX is the worst finance company I have ever worked with. I need this situation resolved immediately! I need my credit corrected of all late payments and charge offs. I need to be fully refunded all of the money that I paid ( Totaling : {$250.00} )!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a Truist credit card that was set up with auto-pay from my XXXX checking account. Everything was working fine until XX/XX/XXXX, at which time an XXXX debit with the same description and merchant ID as my previous auto-payments appeared on my XXXX statement. The issue is that I had no balance that month, so there was nothing to pay. This happened again on XX/XX/XXXX and once again today, XX/XX/XXXX. I contacted Truist by phone and by chat on their website on both previous occasions and was told that I had no balance so it couldn't have been them, yet the evidence shows otherwise. They refuse to escalate and I've had to dispute these debits with XXXX each time. I'm now going to be forced to open a new checking account to ensure that these erroneous debits don't occur in the future. I'm guessing that in their transition from BB & T to Truist, my checking account information got applied to someone else 's account during data migration because the amounts have all been fairly small and occur at the normal time of month that previous, legitimate auto-payments were made.

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 2022-01-20 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: PA

Complaint narrative:
The credit reporting agencies have been reporting first progress on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the cra to report this 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 non-monetary relief
Consumer complaint received 2022-01-20 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: PA

Complaint narrative:
The credit reporting agencies have been reporting XXXX XXXX  on my credit report. This account is not mine and is a result of identity theft. They are reporting a high balance of {$270.00} and late payments. For one how can a card be reported as a {$200.00} limit but reporting {$270.00} for a high balance. This is a violation on so many levels. This account is not mine and is affecting my credit worthiness keeping me from obtaining credit in order to provide for my family. Not to mention I never authorized the XXXX  to report this 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
I have been contacted by " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' about an alleged unpaid debt to an apartment complex. I have begun disputing the claim, however the debt collector is informing me of a 10 % per annum interest rate. Regardless of the validity of the debt, the initial account was NOT an interest-bearing account, as it was a lease agreement. My first communication to Columbia Debt Recovery included language stating that their attempt to apply interest to a non-interest bearing account was a violation of the FDCPA and requested that they cease attempts to collect extralegal amounts. The subsequent response from Columbia Debt Recovery made no acknowledgment of my statement and continues to include the interest that is being applied outside any terms of my contract with the initial account-holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLIANT CREDIT UNION
State: MA

Complaint narrative:
Alliant Credit Union will not refund me GAP insurance refund when my car is paid off. 

XX/XX/XXXX : I purchased the vehicle and financed through the XXXX XXXX XXXX with GAP on the loan. Amount Financed : {$28000.00} XX/XX/XXXX : I refinanced the vehicle through Alliant Credit Union. The XXXX XXXX XXXX gave me the GAP refunds of unused premiums that I was entitled to receive, No problem. Amount Financed : {$27000.00} including the new GAP on Alliant Credit Union Auto Loan. 
XX/XX/XXXX : I refinanced the vehicle through XXXX XXXX XXXX but Alliant Credit Union refuses to give me pro-rated refund for the GAP. The payoff quote for {$25000.00} from Alliant Credit Union was not reduced by any refunds of unused premiums that I am entitled to receive. I called Alliant Credit Union multiple times to obtain the GAP pro-rated refund since I paid off my loan early/refinance but Alliant Credit Union still insists on stating that the GAP is non-refundable regardless of the fact that the loan is paid off early. Alliant Credit Union Loan Department doesn't reply to my emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX shut my deceased spouse account without notifying me. I couldnt use automatic payment. I was the authorized user before he died. XXXX put a bad charge against my credit bc it claimed I didnt pay the debt. Because of his I have a bed credit. Unable to apply for XXXX credit card. They claim to fix it but it will take up to 60 days. This is. It not acceptable When I called in wells said I was supposed to call and follow up after my husband died! What!,

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