vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally financial canceled my Auto pay without any notice. I had Auto pay from the beginning of the lease for peace of mind my payment will go through. During Covid they canceled my payment which i made through auto pay and my manual payment because i noticed a month later they canceled my auto pay. This has giving me a 30 days remark on my credit report. During that period i tried reaching out to ALLY multiple times but they were not answering their phone calls Because they were short staffed due to covid. I was finally able to contact them a month later after waiting on the phone for 45 min they gave me a case number regarding my complaint. They said someone should get back to me in 2 weeks. No on has called me. The reference number they gave me is XXXX. See attached proof of payments I made.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted each company to informed them that I've been a victim of Identity theft and they directed me to touch base with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
Account does not belong to me.

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 2020-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
While XXXX my identity was stolen by ex family members. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Dispute Re : Account # XXXX SSN : XXXX XXXX XX/XX/2020 XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I recently noticed that my credit report contains a late payments reported on for an account I assert was not open by me. After trying to resolve the matter I settled the balance in good faith to restore my credit rating and hope for I am fully aware I had financial obligations to you. Unfortunately, due to not securing my home and personal property, I made a mistake in falling behind. If not for this, I would have an excellent payment record. Im sending this letter because when I checked my most recent credit report, I noticed it contains a late payments. I dont want to dispute the accuracy of this report. The late payments was a one-time oversight on my part, and I have since brought my account to good standing. 

I want to request a one-time goodwill adjustment on my credit report. I am in the process of buying a home, and this will allow me to take advantage of the lowest interest rates available. 

Other than this one-time mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payments from my credit report. 

Let me know if you need any additional information from me, and thank you for considering my request. 

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 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have been attempting to transfer money from my PNC checking account to my girlfriend in the XXXX. The transfer company, XXXX, asks me for my account information which I try to send. I am denied the request by PNC, stating that I do not have proper authority to access my account. I called the bank and was told XXXX can help me get approval for the transfer. XXXX has told me that they can't, the bank is the only one that has approval to access my account. 
I am lost!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
I am a student and my school forces students to go through this bank for my federal financial aid disbursement. An account was opened without my consent and I was supposed to be sent a bank card to access my account. This card was never sent to me. When I contacted Bank Mobile they said they were going to charge me {$10.00} each time I request a card, as a " replacement fee ''. This is not a replacement, I have no card and can not access my money. So I attempted to transfer the money out of the account, but the system will not allow me to without the pincode from the card that does not exist. The system has now locked me out of the account, and I can not even see it, but it STILL has my money in it, and I STILL have no bank card, and no one at customer service is providing any resolution.

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 2020-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have  happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I checked my credit today because I'm preparing to purchase an income property and I noticed erroneous information on my credit profile. I did not authorize the following companies to run a credit check, nor did I authorize them to open a credit account for myself or anyone else. I have not yet contacted these companies. 

Accounts : XXXX XXXX XXXX XXXX Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXXXXXX   Account Number - XXXX Date opened - XX/XX/XXXX Syncb/ Care Credit Account Number - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : Credit Plus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2020-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Natinal credit adjuster called me about a debt that was explained to them that wasn't mine called an ask to a verication letter annwas told no they not sending me anything that I would have to provide a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There reporting information that is not correct this account is fraud never had a card from them. I lasted disputed on XXXX. XXXX and they're reporting two amounts {$790.00} balance and {$1500.00} which I never had. Wells Fargo card services

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX District of Kentucky Bankruptcy. If you guys can not provide proper oversight I will be force to sue the three bureaus and XXXX XXXX in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with XXXX due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX District of Kentucky Bankruptcy. If you guys can not provide proper oversight I will be force to sue the three bureaus and XXXX XXXX in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with XXXX due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.

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 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This debt originated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Maryland XXXX, XXXX, XXXX, and they have either hired to collect or sold the debt to Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX. 

I signed a three month lease starting on XX/XX/2019 through XX/XX/2019 at XXXX  XXXX XXXX  XXXX XXXX. Upon finishing my lease term, and having paid all deposits and rents due on time, XXXX XXXX XXXX   XXXX XXXX notified me indicating that per the lease, I owed them additional months rent. However, upon closely reviewing the lease and having my attorney also review the lease, we firmly believe we met our full obligations and did not owe any additional money. My attorney sent a letter ( attached ) to XXXX XXXX XXXX  XXXX XXXX stating our case, requesting they remove the bad debt from my credit report and provide me a refund of the deposit, and requested a response within 30 days. XXXX XXXX XXXX  XXXX XXXX failed to respond.

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 2020-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi bank continues to report on my credit with negative history. I have already submitted a early claim against them and they continue to report negative and destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I have received a collection attempt letter from Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX in regards to traffic ticket from XXXX XXXX in the amount of XXXX euros. The incident occurred in XX/XX/XXXX. The car that I was renting. at the time was caught on traffic camera driving in public transportation lane. I was never properly notified about this ticket. The police in XXXX mailed certified letter and XX/XX/XXXX that I never received ( I had mail theft problem that I reported to local police in XX/XX/XXXX ). I offered collector via email to pay the original ticket amount of XXXX XXXX administrative fee stated in a copy of the letter that I never received. It is approximately {$120.00}. The collector is requesting total of {$390.00} of unexplained fees. I was never properly notified about this and I believe that I should not be additionally penalized. This is well known problem with this agency and XXXX police in XXXX reported in many internet blogs in US.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: GA

Complaint narrative:
On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a letter on XX/XX/2020 from WellsFargo is stating that a ratio of credit bureau trades with a balance greater than XXXX, and the open and closed accounts that have a balance greater than XXXX for the last 6 month which is incorrect. 

In the last year I had a XXXX XXXX  card with a XXXX balance, XXXX XXXX with a XXXX balance, which are both closed. XXXX Card which is paid in full every month. They are stating that number of revolving bankcards reported by credit bureau which are closed. They are also stating that I had many closed accounts that have been closed for many years, and that they are using this information to make their decision. 

My Credit score is XXXX and have never been denied credit at all for any reason. WellsFargo is also stating that the credit report agency was not involved in this decision and that its soli their decision only. I have been with the bank over 25 years, and had excellent credit and only now they are denying me credit. 

With this information this may impact my credit score and possibly any chances of getting credit with another Bank. I

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 2020-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have sent several emails and letters to capital ones CEO Mr. XXXX XXXX. I received a phone call in XXXX telling me that the late payments That were reporting would be updated/removed and congratulations. 3 weeks later I received a letter stating that they would not be updated. I then sent another letter and email and was told that they had to report accurately when in fact I have proof that they have changed late payments for several people And I have copies of the letters. I had a medical complication but apparently this company does not care about their customers like they claim they do. The first person I spoke with in XXXX should not have lied and told me they would be removed within 30 days. Calls are recorded so please go back and listen to the call. Very unprofessional of your staff! ( Attached is proof that you all DO DELETE LATE PAYMENTS! So dont tell me that you dont )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I attempted to sign up with XXXX and XXXX to help build my credit and savings portfolio but my bank PNC does not allow these services or other credit building services other than their own. I am unable to build my credit thanks to PNC 's rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX has reported this fraudulent account to credit bureaus. They account has been deleted several times and it was reported as fraud. I submitted a police report and all support documentation.

Company response to consumer: Closed with explanation