vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have Identity Theft. And I was going to report that to Capital One, when I noticed a few of my payments didn't go through. When U called the recording said they suspect Fraudulent Activity. I was on hold for 45 min for someone to tell me they closed my account. I called 4 more times to only be put on hold when I asked for a supervisor. They never took any information from me. Including police report..etc. never never investigated my Fraudulent Activity!! Closed my account and reported to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX  XXXX/ XXXX  ( XXXX ) 7. XXXX XXXX  XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
As already documented my identity has been compromised and the aftermath has left my credit files with unauthorized accounts as well as the inquiries that I'm respectfully demanding be removed due to the fact they are unknown and unauthorized by me. Please remove the following inquiries immediately. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX ( XXXX ) 7. XXXX XXXX XXXX  ( XXXX ) 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 non-monetary relief
Consumer complaint received 2020-10-28 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:
As already documented my identity has been compromised inwhich the aftermath has affected my credit file with unauthorized accounts. The following accounts are not mines. I'm now demanding them to be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX  {$700.00} 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 2020-10-28 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: TX

Complaint narrative:
Attached is a credit report as of XX/XX/XXXX. Experian claims that XXXX XXXX account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on XXXX  XXXX  after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by Experian. This update and negative charge off in XX/XX/XXXX affected my score and experian is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but experian is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.

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 2020-10-28 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:
The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX  XXXX  {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}

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 2020-10-28 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Attached is a credit report as of XX/XX/XXXX. XXXX claims that Charter One/FM account is no longer affecting my credit score and this is not the truth. On XX/XX/XXXX there was a negative hit on my account on charter one/fm after no activity on this account for over 7 years. This account should have been removed and no longer aloud to affect my credit. This account went delinquent in XX/XX/XXXX and was charged off in early XXXX which can be viewed on the credit report attached. After over 7 years of no activity the same account can be seen charged off again in XX/XX/XXXX after no activity for years. This did not make any sense and has still not been explained by XXXX. This update and negative charge off in XX/XX/XXXX affected my score and XXXX  is reporting that I have had a late payment on this closed account in the last year. If an account has been closed for years how can I have made a late payment in XX/XX/XXXX? I have not made any late payments in over 7 years, but XXXX  is reporting my credit file with late payments in XX/XX/XXXX. This has not been explained to me and this has affected me greatly during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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:
The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts. 

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX 7. XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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:
The following accounts are all unauthorized and an result of identity theft inwhich is already documented within your company. This misuse of my credit file has affected me gravely. I'm asking for you to please remove the following unauthorized accounts.

1. XXXX XXXX XXXX {$1600.00} 2. XXXX XXXX  XXXX {$800.00} 3. XXXX XXXX  {$590.00} 4. XXXX XXXX XXXX {$810.00} 5. XXXX / XXXX 6. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX {$160.00} 9. XXXX XXXX XXXX {$790.00}

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 2020-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: WY

Complaint narrative:
Debt included in Chapter XXXX discharge

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 2020-10-28 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:
The following accounts do not belong yo me. In the past i have been a victim of identity theft inwhich left my credit file compromised. In the past I had request the Method of Verification inwhich you find this accounts true and just know as a general rule electronic Verification is not a factual statement of facts. Also via the rules stated within the FCRA once an account is established from identity theft then the accounts shall be removed. Therefore, I'm demanding the immediate removal of the following accounts. Please block and remove ; 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I went to file for a loan. but when I look at why ot denied it says all my information is corrsct amd veriified except my name.. But it is correct so I got alot of inquiries saying my name was wrpng so I got denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I'm a victim of " Predatory Lending '' with Credit Acceptance. 

Credit Acceptance is under a Federal Class Action law suit ( Case XXXX ) with there investors as they keeping accounts " OPEN '' that are really should " CLOSED '' like mines to inflate stock position and deceiving investors ... In addition, to illegal DEBT COLLECTION practices and placing customers in loans they knew that could not be repaid and charge " usurious '' interest rates that violated state laws. All this information is displayed in attached documentation ( if not to large to add ). 

Originally Credit Acceptance was requesting to {$3500.00} to settle this account and now XXXX XXXX XXXX which is representing Credit Acceptance is requesting ~ {$13000.00} to settle this account. 

I'm requested this account be removed from credit report as they have violated Fair Credit Act & Fair Debt Collections Practices.

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 2020-10-28 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: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I lost a money order of {$270.00}. I first contact Western Union and they ask that I mail in my original receipt. On the XXXX of XXXX I mailed my receipt, the required {$25.00} for the process of my lost money order. It has been more than two weeks and I have not heard from this people. My money order receipt and {$25.00} processing fee was send to them by U.S Postal Certified Mail # XXXX XXXX XXXX XXXX XXXX. This certified mail was delivered to them on the XXXX of XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX I call US BankRelia Card about some unauthorized charges that was on my account. I was just told that I would receive a New Card in the mail within 5 to 7 business days. When I received my New card in the mail, I tried to activate my account and come to find out that my account is disabled and inactive to where I can not Log in my account. I called them to find out that They want me to send them proof of my identity and send them my W2 form. I sent them my information everything that they asked for and my account is still inactive. I have XXXX on my card account that I cant even use and Im being given the run around to receive my money l

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 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bill with Citibank totaled {$240.00}, due on XX/XX/20. On XX/XX/20, Citibank posted a return to my acct. of {$210.00}. This is 5 days BEFORE my payment was due. I deducted that amount from my bill, because Citibank is XXXX bend on keeping any overpayment FOREVER. I paid {$31.00} which was posted to my account on XX/XX/20. The payment was NOT late, yet I was charged a late fee of {$29.00}. I spoke with XXXX at Citibank, she said no matter what I had to pay the minimum due which was {$35.00} even if it amounted to an overpayment. Citibank refused to reverse the late fee, and in addition added {$3.00} to my bill, the difference between {$31.00}, what I owed and {$35.00}, Citibank 's minimum due for a total of {$32.00}. I do not owe Citibank a dime

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 2020-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am being charged fees everytime I receive unemployment without my account ever being negative. On two occasions the overdraft fees have place me in a negative balance. Regions is placing the withdrawals prior to deposits and never showing that you are negative or pending negative. Something is going on here, please investigate.

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 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I called credit control corporation on XX/XX/2020 to have them remove my paid accounts ( 3 of them ) from my credit. There is {$0.00} balance and this is negatively affecting my score. Im a US veteran trying to get a VA mortgage loan and do not qualify because of this and they will not remove it from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX {$220.00} ( Unauthorized transaction ) This person watched me put in my pin and stole my money. 
I contacted company and followed procedures.It shouldn't take that long if a customer constantly says transaction was unauthorized XXXX XXXX $ XXXX Merchandise was not received. 
I requested a right to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: MD

Complaint narrative:
Experian is reporting a account on my credit report by the name of XXXX XXXX that I do not have any knowledge of.This is not my account.I have disputed this alleged account several times.

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 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello Dear, This vehicle Vin:XXXX plat e : XXXX/TX is for sale at XXXX market in XXXX, IL by person name : XXXX XXXX . Title has other persons name on it an a lien holder from state of MD. They try to sold me this car but I saw fraud title and when I called XXXX police department they refused to came and I got a fight from Ms. XXXX and her mother in law. This is embarrassing and please make a research about this case because they have more vehicles for sales and someone from their family has a dealership license that is using for fraud sales. 

I gave deposit for a car with XXXX app of my Bank of America account. Today Ms. decline my request to give my deposit back. Bank said that they can only send request to Ms XXXX and waiting that she send money back, but cant promise anything. I was begging them to help me, and said that I have been asking couple of times but they said this is only that we can do. 

I really need help to get my money back. 

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
Consumer complaint received 2020-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bepensa Capital, Inc.
State: MD

Complaint narrative:
I had a loan with Credito Real USA Finance , LLC in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. 

Under the code of the District of Columbia XXXX the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.

Company response to consumer: Closed with explanation