vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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: NJ

Complaint narrative:
Dea

r Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore  needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Nj 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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In the beginning of XX/XX/XXXX I was trying to apply for a checking account with capital because I received a letter in the mail for apply for a checking & a line of credit. I applied and was denied. Before I tried to apply in XXXX I applied in XXXX and was denied then. I am trying to purchase a house and I need to have this inqury removed, Please. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NJ

Complaint narrative:
Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: MD

Complaint narrative:
on XX/XX/XXXX i requested for a loan for XXXX lady told me i can pay back in 3 payments of XXXX or but call back to let her know oncecthe money is deposit .the money was deposited on XX/XX/XXXX XXXX .i phone on XX/XX/XXXX and the amount was double she said that XXXX will be debt on XX/XX/XXXX, on XXXX and the last payments will be debt on XX/XX/XXXX i was totally shock because i was told i. Only have to pay back XXXX if i set up 3 instument.please help me name of business is Better Day loans XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX a fraudulent item on my report from XXXX XXXX XXXX was removed from Equifax. I reviewed my report XX/XX/2020 and the item has been reinserted. I provided Equifax with the FTC Report an other requested documentation and I received no notice of it being investigated nor was I notified of it being reinserted on my file. I spoke to 8 different representatives before speaking to a lead named XXXX in Consumer Affairs at Equifax, she indicated that I would have to re-dispute the information all over again. When I disputed the the item 2 years ago initially they provided this company with personal information of mine that the company would never had and they refused to provide me with how the debt was validated or documentation. When I requested a Manager she acted as if she could no longer hear me and sent me to a survey. I spent a total of 5 hours just trying to speak to someone regarding this. 
I need guidance and assistance. Equifax has to stop violating the rights of American Consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Quicken Loans I had an autopay set up on the loan. The payment amount had been the same for the entire term of the loan. In fact, I always overpaid the amount due each month. 
I moved in XX/XX/XXXX. I updated my address with Quicken Loans for all mailed statements in XX/XX/XXXX ( in a timely manner Quicken Loans contacted me by phone in XX/XX/XXXX to let me know that the impound account ( tax payment ) had increased and that I had a new monthly mortgage amount. I was traveling abroad at the time, but I DID call Quicken Loans back and spoke with an agent. It was late XXXX ( around XX/XX/XXXX ) and I let them know that I would send the difference for XXXX ( new payment amount - autopay amount that had been sent in early XXXX for regular monthly payment ) PLUS the entire new amount for the XXXX payment immediately by mobile banking from XXXX XXXX XXXX. I immediately initiated payment from XXXX  XXXX XXXX on XX/XX/XXXX. The payment was received by Quicken Loans on XX/XX/XXXX and they had reported me to the credit bureau on XX/XX/XXXX. 
Note : I DID make payment for XXXX in a timely manner ( on/around XX/XX/XXXX ) but they put this amount into an escrow account bc it did not include the {$9.00} increase for taxes. I DID speak with Quicken Loans to explain that I was over seas and would make payment immediately on XX/XX/XXXX. The Quicken Loans agent made a note in my account and said that would be acceptable to them. I have filed numerous appeals with Quicken Loans, I have zero history of ever making a late payment with them, and they continue to refuse to remove the late payment from my credit report. My credit dropped from XXXX to XXXX as a result of this report ( for a discrepancy of {$9.00} ) which I paid BEFORE the XX/XX/XXXX deadline to be reported to the bureau AND I had communicated my situation to Quicken Loans prior to the deadline. Thank you, in advance, for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX of 2019, I was performing my annual credit check. On my report, I found several errors, with a majority of them coming from a student loan servicer XXXX. XXXX apparently at some point, awarded the debt to XXXX  XXXX XXXX, while never including me as part of the transition. In XXXX of 2019, I requested that XXXX XXXX XXXX forward me any documentation or contract with my signature on it, affirming my relationship with that bank. I received a letter back from XXXX  XXXX, informing me that they had no record of the account numbers that were associated with their name on my credit report. Without documentation by XXXX XXXX  that I had a relationship with them, it is the opinion of not only myself, but of my legal team that any negative tradeline involving XXXX should be PERMANENTLY deleted from my credit report. 

Again, I am simply asking that XXXX  or XXXX XXXX  provide any proof that I had a relationship with XXXX XXXX. Without proof of this, XXXX XXXX XXXX continued presence on my credit report is a violation of the Fair Credit Reporting Act. Without prompt action, I will be seeking legal remedy by the courts in the coming months. 

P.S. I have linked both the dispute letter, and the letter from XXXX XXXX  below.

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid off my last statement in full. But they are telling me that they can charge interest even though I have a XXXX  balance. I know this is illegal and I have no intention of paying interest every month on a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$1600.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-05 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 have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX It was purchased from XXXX XX/XX/XXXX. From the very beginning, I had issues with the car. I went to XXXX to get it repaired they wouldn't repair without a service fee. which I thought was unreasonable being that I just purchased the car. I then took it to a XXXX XXXX, it was repaired and covered. Many more things began to go wrong with the car. I took it to a different auto repair service center who said it had an electrical problem that is quite expensive also only the dealership would fix it. Eventually, the AC went out, the repairs for that was {$3200.00}. There were other problems the check engine light was on, the mileage indicator was flashing and other warning lights were on as well as the engine needs service message. I called American Acceptance the Loan company to see if the would assist me in any way. They advised me maybe they can if I would get an estimate of the repairs. I went to an auto repair a place that repaired my car in fact it was the same place that initially told me that only the dealership could fix it. They gave me an estimate unfortunately they did not put everything in writing, he said because he can not get prices for many of the parts. He also told me that all the work that is needed on the car it would not be worth it, and the difficulty in finding the parts they do not want the job. The finance company said they would take off 85 % of the value of the vehicle but I would have to get an estimate showing the repairs are more the value of the car. the value of the car is {$4100.00} to {$5000.00} in good running condition this car is not. The repair as it is now is more than {$3200.00}, to get an estimate from the original place that gave me an estimate they need {$400.00} just to diagnose the can system which is to do with computers. So I went back to the dealership and they said over the phone it would be {$150.00} to diagnose but when I got there it was {$170.00} for 3 things he wasn't done telling me the different diagnosis the car needed because all of the codes that came up, I stopped him because I could not afford more than the {$170.00} he said it would be about {$1000.00} to diagnose my vehicle. I basically told the finance company that I can not do both pay for the vehicle repairs and car payments, I asked to please assist. the problem is I can not afford to get it diagnosed they also need it to be not drivable which it is, and the motor or transmission needs to be replaced. This is very unreasonable since the repairs so far is {$3200.00} The Estimate is {$1000.00} and the value of the car is {$4100.00} ... so far I have paid {$10000.00} the balance it {$17000.00} how does that make sense. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: SC

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX 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 2020-10-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX  XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX- I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.

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 2020-10-05 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear US Bank, I am a victim of Identity theft and my home mortgage is serviced with US Bank. I've paid my mortgage on time every month. I have great/excellent credit. I am very concerned I have not heard from the bank regarding this matter since my checking account ( from US Bank - checking fraud ) was linked to my mortgage account. We would like to hear back from you regarding our Mortgage. I understand fraud can occur with checking accounts etc however, I would still appreciate if the bank would follow-up with a written letter explaining how you will assist to ensure my mortgage with US Bank is still indeed safe and secure. I would like to partner with you. I called your Home Mortgage Department today, XX/XX/2020 and I spoke with 2 individuals - I was on an extended hold and they did not have a clear process in place. The customer representative dismissed my concerns of recent checking account fraud. He rambled on about work orders and escrow checks and other matters. I requested if I could please be transferred to fraud or if he had the fraud department 's phone number, he did not provide the information. He said he was based in CA and had access to the last four digits of my social and my home address, the individuals on the mortgage account and that it was " mostly '' public record. He was basically all over the place. " That if it was fraud, the bank would pay it off, I had nothing to worry about. " These words concerned me deeply. 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