vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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:
On the date of XX/XX/XXXX of 2020 i placed a complaint and dispute to the company and or bureau of trans union. After waiting on a response, transunion deleted most of the requested items proven to be fraudulent or taken without my authorization. However, there still remain a inquiry from XXXX XXXX  that do not belong to me there are phone number and addresses that do not belong to me. I requested that transunion remove every phone number that was not my original and only phone number XXXX. Every address should be removed from my credit file other than the 2 addresses I've lived which are XXXX XXXX XXXX XXXX XXXX tx XXXX and XXXX XXXX  XXXX XXXX XXXX tx XXXX. Every other phone number and address should be removed. Also, I contacted XXXX, sending them a copy of my driver license and police report along with all requested info to prove my real identity. XXXX  have not responded with any updates, deletes or changes to my credit file. I sent them copies of receipts where i contacted the reporting collectors and i did not receive a response from them as well. I have several inquiries and collections placed on my credit file that is not mine. These accounts were taken without my knowledge, authorization and or approval. In response to my complaint I am requesting that all of these accounts be immediately deleted all addresses and phone numbers removed and inquiries deleted from my file in that the impact of this erroneous reporting has effected me tremendously.

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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: KY

Complaint narrative:
I am a XXXX XXXX in XXXX Kentucky. I applied to become a XXXX to earn extra money. I was denied due to a credit check from Checkr. I would like the information from this report to find out why I was denied. 

My life depends on my background check. If I have bad information on one I need to know so I can clear it up. I have done nothing wrong. I have never been in jail or have any criminal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My mortgage is showing as being in forbearance with Wells Fargo on my credit report. I was never given an explanation of the status. I just went on the website and requested the assistance due to COVID, even though I have continued to make the payments. I called on XX/XX/20 and requested that it be removed from my credit report and it is still showing. 
I want it removed & I want the unscrupulous tactics addressed.

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 2020-05-15 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Often time my credit card company overcharge or over bill my card and then continue to charge interest and American Express has the highest interest rate in the world on credit cards. During the last two billing cycle namely : XXXX-XX/XX/XXXX and XXXX-XX/XX/XXXX, there are some charges on the bill that i do not recognize and the detail charges does not add up to the total. After I have noticed this issue on the XX/XX/XXXX - XX/XX/XXXX bill, I have contacted American Express online using their chat. 

I would like to mention here that calling American Express is a big trap because, discussion from you first call will be lost during your second call. customers can not email them, but ironically they can email you, which is another trap. 

So, I use on line chat so that I can keep documentation. After receiving the XXXX-XXXX bill I contacted American Express and I explained that I have a billing issue on multiple charges and asked for a dispute number. The person gave me a dispute number which is " XXXX ''. 
I printed the statement from Amex site and sent the with an explanation asking why they are billing more than what is showing up on their site. I submitted some supporting documents as well. Then I received the XX/XX/XXXX- XX/XX/XXXX bill and noticed that no action has been taken on my previous correspondence. More surprisingly, all information was removed. So I again, submitted the documents pointing out the errors and explained why those are errors. Yesterday, ( XX/XX/20 ) I noticed that my 2nd submission was also removed. 
I contacted Amex on line and first I had chat with XXXX. XXXX seems very confused willingly or unwillingly. I asked him about the dispute I have submitted. He said that dispute number related to another dispute. He would not give me a dispute number. I asked him to email me the chat he then transferred me to XXXX. 
I can understand, due to Covid -19, companies are running business with support personnel who are unskilled and have very little knowledge of the business or lack of knowledge of the process. As a result we the customers are suffering. Any way XXXX is playing the same record. I asked him repeatedly that there are multiple errors on two bill but he is not a listened and repeats the text every time. So, I asked him to email me the transcript of our chat he told me that I have use their reference number and he can not email me. That is another trick to cheat consumers. If Amex can make erroneous charges on my credit card, they can change the whole conversation in favor of them. I do not trust them. Luckily, I have a tool and I was able to collect the text our conversation as attached. I am attaching all other proofs that I have submitted to Amex

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion online dispute is not working at all, when you try to call TransUnion you wait with over an hour wait times or the call just drops. 

I have in accurate information I'm trying to report and they are the only agency making it difficult to 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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  has been inaccurately reporting this account as opened on XX/XX/XXXX when it was opened when my father was still alive. He died in XXXX. They keep re-aging this to try to collect a mere {$230.00} and destroy and damage my credit report. I have sent Experian a certified letter on XX/XX/XXXX asking to remove this as an Early Exclusion because it is technically over 7 years old. XXXX has been reported to the FDIC, but they have told me to file my complaint with CFPB since Experian keeps this on my credit report. They must remove this! It is extremely false, damaging, not to mention illegal. XXXX XXXX  is inaccurately reporting and Experian has a duty to remove this immediately. I need CFPB to step in and enforce penalties and damages here because the Courts are closed. I need CFPB to enforce the Consumer laws because XXXX XXXX  keeps to continue lying about this old re-aged account that they continue to report illegally. They should be assessed punitive damages for their intentional act to destroy my credit and I will NOT pay for an item that should have been removed years ago!

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 2020-05-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My problem exist with Capital One credit card division. I have been a customer for seven years. When I applied for the card it was pre paid. During my initial signing of the agreement, it stated that if I kept the card in good standing my card would be changed into an unsecured credit card. During the sevens years of my card, I have never been late, I pay my balance almost every month. I rarely have carried a balance.I have called on 10 different occasions to request for a change. I never got any corespondance as to why I they will not change credit card status. They are holding XXXX. I have requested that it be switched. The bank says I was under review. And when my time comes they will switch over. I can not understand if I have followed all the guidelines and did what they asked, why will they not switch the card to an unsecured card. My credit score has been very good the entire period of the card after establishing credit with them.The last conversation I had with the representative, I asked who should I send a complaint to she said she would write a complaint and send it in. I received a copy of an agreement that said nothing about a pre paid card. I do not want others to be a victim. I can only imagine what they do to customers in a bad situation with them, if they are treating me like this. If I close the account my credit will be effected negatively. If I leave it open I will not receive my XXXX dollars.My request is that switch me to an unsecured card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I purchased a credit report from Transunion, I was charged for my credit report as well as another product I did not want. Contacting Transunion is extraordinarily difficult, furthermore, if you don't navigate the site and unchecked boxes you will receive a mass amount of marketing material. I am unable to remove my credit card information and their site, in my opinion, is designed to deflect and divert, the most disingenuous item, I paid for my report, their site is loaded with advertisements, I'm paying to look at advertisements and I am unable to download into PDF without the advertisements. Their ratings are deplorable as well as their customer support, they run over people by making it difficult to navigate and ensure you are not being charged additional fees or receiving marketing emails.

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 2020-05-15 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:
SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AES/PHEAA
State: PA

Complaint narrative:
This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My XXXX  credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to AES/PHEEA, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX  XXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One has a charge by XXXX XXXX XXXX XXXX on XX/XX/2020 I had this issue before with Capital One with this XXXX XXXX XXXX in which my card was replaced so i would like to no how they got the new card that was replace last year account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I rented a car from XXXX XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at TransUnion by XXXX XXXX XXXX XXXX XXXX. I provided a copy of my invoice and credit card statement to TransUnion and to XXXX XXXX XXXX XXXX XXXX. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. XXXX XXXX keeps verifying that the charges are accurate to TransUnion, where I am disputing the charges. 

I have only rented from XXXX that one time. These are the only charges that I have incurred from 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 2020-05-15 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I disputed a charge for XXXX from XXXX XXXX XXXX. Citibank immediately reversed the charge on that date. When I realized the charge was valid on XX/XX/XXXX, I went into the statement, selected that charge and asked to reverse the chargeback. When I did that, it took me to another screen and it said an error happened. And I noticed at that time that a disputed charge from XXXX of XXXX for XXXX appeared, but I took no other action. When I went into the statement again on XX/XX/XXXX to pay, the charge of XXXX was now part of my balance ( attached statement ). I immediately contacted Citibank and reported this. We spoke to XXXX who gave us a case number of XXXX and said it would have to be sent to their investigation unit and we should hear back within 7-10 business days. On XX/XX/XXXX, we still had not heard anything and the charge was not reversed, we contacted Citibank once again and spoke to someone else who said, after we explained what happened, that this is a KNOWN problem and it has happened to others before and that not to worry, it will get taken care of. On XX/XX/XXXX, we still had not heard anything and no changes had occurred to our account, we asked for a supervisor. We spoke to her and again she acknowledged on a recorded phone call that they are aware of this problem but they could not do anything about it. We asked to have it escalated to her manager. We received a phone call later that day from XXXX who said there was nothing that could be done. We have also contacted Costco since it's through them that we have our credit card. After numerous emails with them and phone calls, they determined they could not assist. We had a chat conversation again with Citibank on XX/XX/XXXX ( see attached ) where they said we would have to go back to the merchant since they could no longer do anything. This was their computer glitch error and we are not going to chase this money down that should not have been reversed. I hope you can assist. thank you.

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