vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-06 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: FL

Complaint narrative:
In XX/XX/2014 my wife and I were mugged. We were leaving the mall and a guy ran up behind us and told us to hand over all of our bags. He took my wallet, my wife 's purse, and all the shopping bags we had in our hands. We filed a police report with the mall security but because it was so long ago we can not obtain a copy.

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 2019-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc.
State: CA

Complaint narrative:
Checked XXXX report and noticed derogatory reporting. I disputed derogatory for having no knowledge but item was not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: MO

Complaint narrative:
Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) The XXXX XXXX 6 ) XXXX 's XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: MO

Complaint narrative:
Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX  2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX  XXXX XXXX  6 ) XXXX XXXX XXXX  7 ) XXXX  8 ) XXXX  XXXX XXXX  9 ) 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 2019-07-06 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: MO

Complaint narrative:
Incorrect information reporting on my credit file due to my identity being stolen and sold on the dark web where someone has consumed my identity and the results are a bunch of fraudulent accounts inwhich I'm begging to be removed and/ or blocked from my credit data files. I'm also asking that the major credit bureaus provide me with any and all certified physical documentation for my viewing before reporting any thing via electronic Verification inwhich by consumer law can not be taken for proof of any sort, Therefore, I'm demanding that these fraudulent accounts be blocked immediately. 

1 ) XXXX XXXX 2 ) XXXX XXXX 3 XXXX XXXX XXXX XXXX 4 )  XXXX XXXX XXXX  5 ) XXXX XXXX XXXX  6 ) XXXX XXXX  XXXX  7 ) XXXX 8 ) XXXX XXXX XXXX  9 ) 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 2019-07-06 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: MO

Complaint narrative:
I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 ) XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) 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 2019-07-06 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: MO

Complaint narrative:
I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Employee 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX  {$8400.00} 8 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 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: MO

Complaint narrative:
I'm disputing the following accounts due to the fact that they're not mines and I do not recognize the multiple address attached to my credit files. I challenge the authenticity of the following accounts. 

1 ) XXXX XXXX XXXXs 2 ) XXXX XXXX XXXX 3 ) XXXX   XXXX XXXX 4 ) XXXX XXXX XXXX {$910.00} 5 )  XXXX XXXX XXXX {$470.00} 6 ) XXXX XXXX XXXX {$340.00} 7 ) XXXX XXXX XXXX XXXX XXXX {$8400.00} 8 ) 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 2019-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have tried several times to call Pay Pal and have disputes re opened that were due to payments I made to an ex merchant that corrupted my work and so I fired him, I lost all his work so therefore several e-mails were sent to Pay Pal asking them to dispute charges to this merchant. I have several e-mails I want to provide the CFPB to show you why I'm disputing these charges and you will also see the dates for transactions and you will see the threateneing e-mails I received from ex merchant. Pay Pal 's back office would not even let me speak with a memmber of Management to discuss my issues. My cases are always being denied when I have more than significant proof to back my cases up. And when I call into Pay Pal I always get a different agent and ever one of them tell me something different, there is no steady pattern for there customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-06 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has a card listed on my credit as in a collection status or in a charged off status.

According to my info and the fdca reporting an account paid as in a collection payment status or in a charged off status not the paid payment status is illegal.

Also if Wells Fargo charged off the account and received funds or a tax deduction for claiming this as a charge off they should be refunding my money.

I want the accounts payment status listed as current as of XX/XX/2017 and or removed from my credit report as Wells Fargo has listed this jncorrectly as a means to purposely damage my credit and my ability to obtain loans due to their refusal to correct this even though its a violation of the fcra. Listing the payment status in notes is not updating the payment status to the follow of the federal law. Notes dont affect a positive status. What reports as still as derogatory is the payment status which is incorrect. Wells Fargo received payment XX/XX/2017 and agree to remove the account. They did not remove it and instead chose to violate fcra by reporting an incorrect payment status

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 2019-07-06 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: NY

Complaint narrative:
I check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-06 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: NY

Complaint narrative:
I check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity

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 2019-07-06 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: NY

Complaint narrative:
I check my credit. I notice that they are some accounts that I did not authorize which is showing on my credit report. this is against the law for someone to steal your information and open fraudulent accounts which I did not authorize, this is truly a stress in my life

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 2019-07-06 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: DISCOVER BANK
State: NJ

Complaint narrative:
THIS LAST YR THIS COMPANY XXXX CHARGING ME {$39.00}, I CALLED THEM AND THEY SAID I SUBSCRIBED SOMETHING THAT CAN INCREASE MY CREDIT SCORE, BUT I DONT EVEN REMEMBER, I TOLD THEM TO CANCELLED BUT STILL CHARGING MY DISCOVER CREDIT CARD, AND I ALWAYS DISPITED IT.I DIDNT NOT AUTHORIZE THEM BUT STILL CAN STEAL MY ACCOUNT.THEY HAVE A LOT OF WEB SITE NAME LIKE : XXXX XXXX, XXXX, XXXX. XXXX XXXX, AND MORE WITH THE SAME AMOUNT {$39.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new corvette.

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 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new 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 2019-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: MO

Complaint narrative:
This company has denied me a loan when I have a 700+ credit score, 0 % debt to income ratio and a {$10000.00} monthly income. I have paid multiple car loans and dont have any missed payments on my credit report. This company gives loans to clients who make less money, have more debt with a lower score. I feel as if I have been discriminated against because of my age and color. They dont want a XXXX year old XXXX man buying a brand new XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive been trying to resolve an issue with the annual fee on my credit card for 3 months now. Ive spoken to 4 different individuals starting in XXXX when I first received the letter making me aware of the fee. At that point I called looking for solutions on not paying an fee and was told to call back once it assessed and they would be happy to waive it. 

Called in XXXX or XXXX to follow up on this and was told that the only way to avoid the fee was to close the card and apply for a new one. I simply dont want to pay an annual fee on a card where I have 2 others in my wallet that dont charge a fee and have comparable benefits. 

Ive escalated through their channels to a manager where Ive been trying to come to a better solution set as paying the fee and / or closing the card simply isnt a feasible option with respect to the impact to my credit score. This has been my longest standing card and my highest limit. Closing this card would negatively impact my credit during a time of a housing search/home improvement financing discussions. 

My last contact was to XXXX, a supervisor, on XX/XX/XXXX who called me back from a escalation I had previously on the same issue. Again, stating my agreement to the XXXX XXXX XXXX ( which I get and agree with ) he was unable to do anything. I asked to speak with him manager which he stated would call me back in 48-72 hours. I never received a call. That prompted my call today to resolve this issue to which I was met with the same discussion. 

At this point, my complaint is no longer about the fee, its about the lack of reasonable solutions when I am looking to avoid a fee on a card where virtually annual fees are reduced across the board with different financial institutions. Being forced to pay the fee or negatively impact my credit isnt a spot where a consumer should find him/herself. 

Additionally, an interest fee was assessed on the annual fee that was waived without me asking for or knowledge of. I didnt think one could charge interest on a fee?

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 monetary relief
Consumer complaint received 2019-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed a listed bankruptcy on my consumer credit report with Experian that is missing most of the information and listing incorrect information. Experian has not conducted any investigation per the FCRA to obtain first-hand knowledge of the record. They have advised me that their source of information is the bankruptcy court. However, I have a letter from the bankruptcy court that states that they do not provide this information to any credit reporting bureau. This just further shows that Experian is not conducting investigations per the FCRA. They are instead " parroting '' information from some third party such as XXXX which is 1. Not first-hand knowledge by Experian and 2. Not verifiable information due to the bankruptcy courts only providing the last 4  of any debtor 's social security number. It is impossible to pinpoint this case on any individual without the full social security number. 3. The record on my consumer credit report is missing the Plaintiff 's information, the dollar amount of the alleged discharge, and the proper reporting of the court, city XXXX county, and state that is required per the FCRA and USC Chapter 11 provisions.

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 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have a 700+ credit score with 0 % debt ratio and made each payment on time but the bank is denying me for a card. They give people with lower scores then me credit who make less money and have more debt. I feel the bank is discriminating against me because Im 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 2019-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I have applied for 4 cards with this bank. I have been approved for 2 which are the XXXX rewards and XXXX card with a XXXX and XXXX limit even tho I requested {$15000.00}. They have asked for id and ssn which I have mailed also attached to this complaint. I want to be approved for all 4 cards with higher limits so I dont close them. I have attached my credit report to prove I have a XXXX score with a 0 % debt ratio and {$10000.00} monthly income. Theres no reason I should be approved for the same amounts a kid working at XXXX can get. This is ridiculous

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 2019-07-06 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: TN

Complaint narrative:
I am a victim of identity theft and fraud and I have items that is reappearing on my report that is not mine that was previously deleted off of my experian report. Experian has not verified and sent by mail debt validation of the items reappearing on my report. Over 50 addresses is being reported inaccurately, name, phone numbers etc.

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