vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have made multiple attempts to receive my credit report from Transunion to no avail. They continue to generate error messages. I made an attempt on XX/XX/XXXX, and received no resolution until I purchased their monthly XXXX $ services. Note all I was looking at the time is my free credit report from annual credit report website which Transunion is supposed to provide, but they would not release it - would only release error messages and were not helpful through any of the communication channels. I am once again attempting to get my free credit report from annual credit report, and once again Transunion is generating error messages. They are not responding to any form of communication. 

Additionally, I am noticing my score drop significantly ( on XXXX  ) due to reported missed payments from XXXX. XXXX has notified me that they have not reported since XXXX, and I have no way to dispute the information that Transunion is reporting due to their dispute center not working, their credit report not loading, and their phone systems being a dead end.

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 2020-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Our loan servicer ( Nelnet ) was derelict in administering our loan. Their records incorrectly cited the student graduation date on our Parent Plus loan as XXXX. In reality, the student graduated in XXXX, leading to a nine-year deferment. All the while, the loan accrued interest. Student/parents were notified correctly of several other loans which are being paid without error or delay. Nelnet claims it began notifications in XXXX. How Nelnet arrived at the XXXX date when the loans were incorrectly listed as deferred until XXXX remains a mystery. Since we reached out to Nelnet in the past month, they have successfully called twice and emailed once with the same information they have had all along. In fact, the only reason we reached out to them at all is that the loans suddenly turned up as a ding on our credit score. Otherwise, this probably would have gone on until XXXX. Dealing with Nelnet has been fruitless. They can not explain how the loan was deferred for nine years nor why there was no notification. They simply say there is nothing to be done. Our first call to Nelnet was placed on XX/XX/XXXX. We spoke to XXXX ( badge # XXXX ). We waited 14 days for the result of " research '' being conducted as instructed with no return call. Our second call was placed on XX/XX/XXXX. We spoke to XXXX XXXX. ( that is all the information she would supply ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
A few weeks ago I was notified that someone checked my credit. As I looked into it I found that TD Credit Card Services had done an inquiry. I called TD Card Services, their automated system validated me with my phone number and last 4 of my ssn. The automated system then told me that I had a XXXX   balance and a {$4200.00} credit limit. After an hour on hold I spoke to a live person who told me there was no record of an account in my name or phone number. He could not explain why the TD Card automated system told me there was an account. I asked to have a supervisor from the fraud dept call me back and he said they would. I never received a call. Next day I placed a fraud alert with the credit reporting agencies. 

On XX/XX/XXXX I received a letter in the mail from the Department of accounts and inside is a congratulations from XXXX XXXX which included my complete 16 digit account number and showing a credit limit of {$4200.00}. It was issued by TD Card Services. I immediately called TD Card Services and was left on hold for 3-1/2 hours from approximately XXXX XXXX  until XXXX XXXX  on XXXX. Note that the automated system again indicated that I had available credit of {$4200.00}. Today, XX/XX/2020 at exactly XXXX XXXX  I again called XXXX and spoke to XXXX. XXXX attempted to transfer me to the fraud dept but I was promptly disconnected. I immediately called back and have been on hold for 1 hour and 15 minutes now. 

Someone has obviously obtained credit in my name and the credit card company will not answer the phone! My credit score runs between 800 and 850. Are there any regulations that require credit issuers to answer the phone and provide support. This company clearly is not doing that! Please help! 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent letters to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have never had a credit card with Capital One. I contacted them about the account and they had a different name altogether. This item does not belong to me and needs to be removed from my XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: PA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$20000.00} DEPT ED/XXXX  XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: GA

Complaint narrative:
MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 2020-09-01 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Paid Accounts are still appearing on the Credit Reports which should be removed or deleted. By showing on the Credit Reports it is reducing my credit score. 

XXXX XXXX XXXX  - Open XX/XX/XXXX for {$200.00} Paid XX/XX/XXXX XXXX XXXX XXXX   - Open XX/XX/XXXX for {$170.00} Paid XX/XX/XXXX XXXX XXXX XXXX  - Open XX/XX/XXXX for {$95.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/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 2020-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE BANK USA Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6700.00} Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Contact : XXXX XX/XX/XXXXXXXX XXXX XXXX, VA XXXX. 

Send the documentation : FTC Identity Theft Report, Claim to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, trade to solve the problem but they do not want to help me and solve it. I have never lived in the United States, I moved just a year ago and discovered that I had identity theft, I have American citizenship as a result of having an American father. 
I want to solve these problems that are ugly since I moved to this country to finish studying and learn the language well. 

They are giving me many problems and they do not want to solve the legal documentation that I have given them, there is an abuse on the part of Capital One and the Debt Collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX/XXXX  XXXX potentially negative icon Potentially Negative StatusClosed. {$610.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$1000.00} written off. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$7800.00} Balance Updated XX/XX/XXXX Recent Payment $ 435 Monthly Payment {$430.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 84 Months XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$170.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$610.00} written off. {$510.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$510.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$210.00} written off. {$210.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$210.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$2600.00} written off. 
Account TypeAuto Loan Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX   XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$7800.00} Date OpenedXX/XX/XXXX filed ftc not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I entered into q contract with XXXX  to provide residential internet service. The contract included a 30 day trial period, cancel the service within 30 days of signing up and you dont pay anything. I called and canceled my service on XX/XX/XXXX. I talked to the representative and confirmed I was within the 30 day cancellation window. 

In XX/XX/XXXX I began receiving collections calls from a debt collector, Sequium Asset Solutions, collecting the XXXX debt they claimed I owed. I requested a verification letter, which I never received. I then called XXXX to inform them that they were collecting a debt I did not owe. The XXXX  representative confirmed I did not owe the debt and stated that it would be resolved. 

On XX/XX/XXXX I received another call from Sequium again collecting on the XXXX debt. I called XXXX again and was escalated to the department that handles collections, they assured me that this would be removed from collections and my credit report. I received a call several days later from another representative confirming that I did not owe the debt and that collections would cease and the negative report would be removed from my credit report. 

The collections is still showing on my credit report and this has been negatively affecting my credit for over 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo ( XXXX XXXX  ) on XX/XX/2020 letting them know that I received wrong information about my account. When I called to ask to a manager I couldnt XXXX her because I am XXXX XXXX she tells me to switch it to the other XXXX than she transfers me. I was trying to make a payment and to file a complaint about my customer service experience with the previous rep. I got frustrated because the manager would not take time to listen to me she tells Im being rude but I have XXXX XXXX so my voice projects louder not because I am angry.My XXXX is in XXXX because it is XXXX so I have limitations.

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 2020-09-01 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: PA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}

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 2020-09-01 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: PA

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX {$140.00} XXXX XXXX XXXX  XXXX XXXX {$80.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$13000.00} XXXX XXXX XXXX  XXXX {$20000.00} DEPT ED/XXXX   XXXX {$3200.00} DEPT ED/XXXX XXXX {$1800.00}

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have never had a card with discover - account showed up on my credit report out of no where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Children 's Place/Comenity Capital Bank failed to give me proper validation of this debt. 

I mailed Children 's Place/Comenity Capital Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
A Hard Inquiry XXXX XXXX XXXX was added to my credit report in XX/XX/2020 without my knowledge. 

I called XXXX which is the Creditor assigned to this Inquiry, I also called XXXX  and XXXX and they all say I need a letter from AmeriSave removing me from their system since I didn't give anyone permission to check my credit for any matter.

AmeriSave says there is nothing they can do and the inquiry stays even though I did not approve it..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent letters to Transunion to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2020-09-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Utah System of Higher Education
State: NC

Complaint narrative:
Showing a student loan on my credit report that I did not take out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX/Comenity Bank failed to give me proper validation of this debt. 

I mailed XXXX/Comenity Bank a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation