vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus

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 2020-07-01 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: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-01 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: AR

Complaint narrative:
I was informed by my banker ( 20 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-01 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 recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have accounts still under investigation, it has been over 30 days and I have not heard anything back from the credit bureaus

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 2020-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I tried to get a mortgage loan around XX/XX/2020 and found out about IQ Data International. I contacted them the next day over the phone for the first time to dispute the amount they were claiming I owed for an old apartment balance. I was told that since it was my first time contacting them in regards to the debt that they could offer me a one time offer to pay off the debt which was still less than the amount owed from the original creditor. I was told that I was being charged interest as a penalty for not taking care of the debt. I have attempted to dispute with the credit bureaus also since I found out about this debt on my credit profile the balance has gone up every month. I have documentation from XXXX County when it was discharged in court from the original creditor but I am not getting the necessary assistance to get this item removed. I have sent them a request to validate debt with my signatures confirming the debt but received a generic form back from the company. They never responded with their proof of debt but want me to pay for services that are inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01 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 recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: FL

Complaint narrative:
I recently applied for a furnisher account and shortly I was denied. I dont understand why I would be because I typically approved for everything I apply for. So, I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need thee items deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I obtained a car loan with Chrysler Capital that was opened in XX/XX/XXXX. I lost my job due to illness and as a result had 5 late payments reported to the bureaus by Chrysler Capital for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After recovering and obtaining another job, I paid consistently, not missing any payments until the loan was completely paid off in XX/XX/XXXX. In XX/XX/XXXX, I sent a goodwill letter to the President of the company asking if the company would consider removing the late payments due to the economic hardship that I experienced and consider that I had paid consistently thereafter. The company replied via phone stating that they would not remove the late payments. I sent another goodwill letter XX/XX/XXXX to see if the company would reconsider since I have now paid the entire loan off ( not missing another payment since the hardship ). The company again stated they will not remove the late payments. This company refused to consider a hardship that a loyal customer was experiencing and were not willing to remedy the situation in any way. As a loyal customer who had their first car loan serviced through this company, this is disheartening and uncompassionate. Maintaining good credit is crucial and especially essential in these times and a brief hardship that many of us experience should not get in the way of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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:
BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE XXXX  XXXX XXXX OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE XXXX XXXX XXXX TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED XXXX XXXX   XXXX AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.

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 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
They are reporting wrong address and name

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 2020-07-01 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: IL

Complaint narrative:
I have called TransUnion and written disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, FTC report, and all the required documents asked of me with no assistance. The accounts from XXXX   XXXX/XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX are fraud accounts and do not belong to me!!!!!! There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. There are also one inquiry where someone attempted to get a card in my name from 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 2020-07-01 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: LoanCare, LLC
State: GA

Complaint narrative:
LoanCare is currently reporting a 30 day late status for XX/XX/2019 on XXXX  and XXXX. My home was sold and the mortgage company was paid in full.

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 2020-07-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. These items are fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I opened a Capital One 360 savings account in XXXX to hold funds for a house closing on XX/XX/XXXX. Immediately after opening, I linked my XXXX   XXXX  account and moved $ XXXX into Capital One via ACH. On XX/XX/XXXX, I received wiring instruction from my lender 's attorney on where to wire the funds for closing ( {$220000.00} ). The account to which I was supposed to wire is an IOLTA account serving escrow from the attorney to the lender, XXXX XXXX XXXX. I was told that Capital One would not honor it because it did not meet whatever their standard was for a wire despite that they say I can wire up to $ XXXX to an external entity for these needs. At a loss because I needed those funds the next day, I asked them to wire the funds back to the XXXX account with which I initially opened the account. They said no because XXXX uses a different prefix on account numbers for wires than they do for ACH. So since the account numbers weren't exact matches, they would not do it. I had another account with XXXX XXXX XXXX   linked to the account. I asked them to wire to that one. They said that since it had not been linked long enough, they would not do it. I asked for a cashier 's check. They said I would need to open a 360 checking account. But after I opened one, they could not do anything with it. I think this may have just been an effort by the customer service agent to try to body his numbers for accounts he opened. After fruitlessly opening the checking account, they told me I could go to a branch and get a cashier 's check. I'm in XXXX. The closest open branch is in New York. It would be physically impossible to make it before the branch closed. I understand that Capital One needs to have security protocols in place but it is unreasonable, after I established that I was who I said I was, that they refused to give me any avenue to get my funds. Now my closing is in jeopardy and I am going to have thousands of dollars of losses ( movers, temporary storage, etc ) because they refused to furnish me with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
They are reporting wrong address and name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
They are reporting wrong address and name

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 2020-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This is the 2nd time I have tried to link my checking account at PNC using XXXX to pay my personal loan at XXXX XXXX and they have blocked it. I don't see the issues as to why this keeps happening when I am simply trying to pay my loan payment. Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I purchased two weeks of in-person XXXX  lessons from an XXXX  XXXX  in XXXX XXXX, XXXX. 10 days before the program was to begin, the school  cancelled my class because of the Coronavirus. I requested a refund, but the school flatly refused to offer a refund, instead giving a " voucher '' for future use. The class was never described as non-refundable. There are no guarantees when/if it will be safe to travel again, or that the merchant will even be in business when/if it does become safe to travel. After working with the merchant to try and get a refund, I asked Captial One to assist. After three phone calls ( one lasting over three hours ) and two letters, Capital One has also refused to assist, claiming that they can't. I understand that the Coronavirus is an unprecedented world crisis, and I respect the school 's decision to cancel the class. But I can't understand the unwillingness of both the merchant and Capital One to offer a refund for a service that was not given. Their justification seems deceptive, and designed to wear me down, instead of being helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE BANK OF AMERICA OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE ANK OF AMERICA TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED BANK OF AMEICA AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.

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 2020-07-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched Equifax XX/XX/XXXX referencing SECTION 605 B c of Fair Credit Act DENYING MY REQUEST FOR VERIFICATION. Please explain the allegation of ( B ) Basis of  material misrepresentatation of fact by consumer.?? WHAT MATERIAL MISREPRESENTATION OF FACT IS XXXX   ACCUSING ME OF?? I DID NOT OPEN THE USAA VISA ACCOUNT. Provide verification this visa was opened by me OR DELETE. See attatched USAA 1099-C CANCELLATION OF DEBT XX/XX/XXXX ( * VISA /MSTR DEBT it was both? 
But canceled XX/XX/XXXX. Account XXXX. ) This was a mastercard CANCELLED DEBT ) It turned into a Visa Card ( 4 ) Years later XXXX Without my Knowledge. See attatched USAA XXXX VISA card ending XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS XX/XX/XXXX dated XX/XX/XXXX Fraud Claim Date XX/XX/XXXX. VISA end XXXX Had Unauthorized Transactions the first time I used it. I DID NOT APPLY FOR THIS CARD BUT USED IT WITHOUT KNOWING I DID NOT OPEN THIS ACCOUNT. See attatched XX/XX/XXXX United States Inspection Service ( Deliveries Not Made by USPS. Per  Mail Rule ) Please Provide Verification ORIGINAL SIGNATURE PROOF DELIVERY the ITEMS WERE DELIVERED INTO MY HANDS on USAA & REGIONS ACCOUNTS. that I was charged OR DELETE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. These items are fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : 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 2020-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. These items are fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : 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