vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
" I was shocked when I reviewed my credit report and found late payment on the dates below : WFDS - XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2020-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My bestbuy acct has charges that are not mine. This occurred last year in XXXX. Bestbuy didn't remove the amount from my credit card. The total amount was about {$600.00}. My card then had extra fees late fees, more interest. They ended up closing my acct. and now I am left with almost 3,000 to pay and it continues to go up every month.

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 2020-05-05 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: NY

Complaint narrative:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the XXXX amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

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 2020-05-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with Equifax, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

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 2020-05-06 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am requesting assistance of the CFPB to fix my XXXX Credit File so that XXXX doesn't show that I was late in paying American Express for the months of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This request is pursuant to the Federal Fair Credit Reporting Act. 

The reason for this request is that charges were disputed during this period and those charges shouldn't show a late during the dispute period. Substantial evidence has been provided to both XXXX, XXXX, and American Express demonstrating that the laptop was faulty, and couldn't be repaired. 

Previously a complaint was submitted to CFPB XXXX, and it was my understanding that XXXX would fix the credit report, but I was recently advised by a creditor that the errant information has been reinserted into the credit file so I am left with no choice but to request CFPB to reopen my complaint against both XXXX and American Express. I find American Express and XXXX  guilty of violations of the Federal Fair Credit Reporting Act for inserting late pay information. 

Previous evidence to date showing a valid claim consisted of : 1 ) statements from XXXX XXXX advising they had back pedaled on their decision to support XXXX so that the keyboard functionality was partially usable. 
2 ) statements from XXXX XXXX announcing a service advisory more than a year after my complaint advising that there is a problem with the keyboard, and a potential fix. 
3 ) statements from users advising that the fix offered by XXXX XXXX did not fix the laptop. 

No laptop repair facility is able to fix the laptop since the problem is a driver issue, and the vast majority of repair shops are not sufficiently versed in driver development. 

Additionally XXXX XXXX had failed to switch the laptop, which was a rebranded XXXX, with their own laptop that they had recently started making. As a result, they demonstrated bad faith. 

And last but not least, American Express has an extended warranty program and there is no issue of coverage since the extended warranty coverage would have been double the coverage of XXXX XXXX 's primary 1 year warranty. 

This complaint needs to be reopened because XXXX  and American Express have back peddaled their decision to correct the credit report. 

Also, XXXX is still refusing to allow online access to credit reports. Earlier today I attempted to login after being denied credit, and was blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: NV

Complaint narrative:
These are not my accounts, not my addresses, nor did I authorize these companies to pull my credit.

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 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: MO

Complaint narrative:
YOUR BANK KEEPS LYING SAYING YOU CANT VERIFY ME FOR MY PPP LOAN EVEN THOUGH YOU HAVE THE SBA NUMBER AND YOU WONT LET ME OPEN AN ACCOUNT SO I ATTACHED THE DOCS TO A 3rd PARTY MEDIATOR. If you lie to them and say you cant verify it your responses will be used to file a state action against you in court for damages to my XXXX   in the amount of the loan we are loosing out on. I have sent the bank information already but I attached verification and statement again. We are a XXXX XXXX that gets paid cash for XXXX  and have XXXX  that are on wages who book these cash gigs for XXXX in XXXX. We cant work due to covid shutdown. We are a XXXX minority XXXX XXXX with XXXX XXXX employees who need these paychecks which we cant pay without bars and restaurants being opened. XXXX XXXX fought so companies like ours without a banking relationship dont get left out and you are now doing exactly what she was afraid would happen. You have my loan number and information but you are not releasing our loan because we are a XXXX XXXX XXXX and that is unfair! We have set up banking for this loan and 60 million was set aside for companies like ours. I demand you send me my loan amount immediately.

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 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: CO

Complaint narrative:
Someone who got had information forged my signature on a lease for a place. They even falsified their own names as occupants on the lease. After 1 month they were evicted but the company is coming after me for over 8000 dollars. Not exactly sure where the XXXX comes from if they were able to get it rerented within 60 days but regardless it was fraud to even have me on the lease. I have tried to dispute it with the credit bureaus but had no success. I have also tried communicating with the company to let them know that this is not mine and i never signed a lease or stayed at their complex. Please help. Its effecting my ability to get a home loan.

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 2020-05-06 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: NV

Complaint narrative:
These are not my accounts, not my addresses, nor did I authorize these companies to pull my credit.

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 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I had a comprehensive insurance claim on my vehicle. The insurance company issued two checks. The first one check was already endorsed and released by the the lien holder First Bank. The 2nd check in the amount of {$1200.00} which is in the name of First Bank and myself is to pay the body work repair. The Body Work has been completed. The person who did the body work repair is still owed. I owe the lien holder the next due of XX/XX/XXXX. Due to COVID and the fact that I am a XXXX  employee, I have no work. First Bank refuses to endorse and release the check to pay the Body Shop. First Bank is demanding that I bring the account current or they will endorse/release the funds. First Bank is attempting to keep the portion of funds needed to bring the account current. 
The Vehicle is a XXXX XXXX XXXX with a payoff of about {$4000.00}. 
The Bank had originally refused to take the amount in full of the insurance to settle the debt owed on the car and for me to not fix it. Now comes First Bank to refuse to endorse the check. 
First Bank has also requested for the vehicle to be Repossed. I applied for the moratorium and First Bank has refused to work this out. 
First Bank is aware that the value of the vehicle exceeds the what is owed. First Bank is now adding additional costs, fees and legal fees. 
I demand to have First Bank be investigated for predator lending.

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 2020-05-06 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
On XX/XX/2018, I applied for a car loan with Pentagon Federal Credit Union. They did three inquiries on the credit bureaus for the same application. Such inquiries are decreasing my credit scores with all three bureaus. I have done disputes, but none of the bureaus have been able to fix it.

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 2020-05-06 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: TX

Complaint narrative:
I recently applied for a business loan and was denied, due to a bankruptcy that is not mine but of someone with a similar name, the information that the credit reporting agency is not verifiable or accurate. I have attempted to resolve this matter with Experian, they did remove it during their investigation then began reporting it through their agency without notifying me 5 days prior according to my FCRA consumer rights,

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Late closed/Open : This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CA

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 2020-05-06 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: IN

Complaint narrative:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.

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 2020-05-06 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CA

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 2020-05-06 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: MO

Complaint narrative:
XXXX XXXX  claims they cant verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
XXXX XXXX  claims they cant verify information.

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 2020-05-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Every month with experian my fico goes up and down for no reason 2nd of each month with no reason. This time 15 points was taken last month went up the rest of credit bureaus no problem old stuff still showing accounts credit closed showing like I closed the account I have paid all credit cards off just have two loans car and personal loan so why do they keep dropping my score

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 2020-05-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Experian by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Experian. 

As of this date, XX/XX/2020, Experian has never replied with a response ( 82 days ).

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