vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am completely dissatisfied with this company called XXXX, XXXX. I have contact them and Experian MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! Experian nor XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MD

Complaint narrative:
Rausch Sturm bought this account from XXXX XXXX XXXX, XXXX  - I  spoke to XXXX let them know my credit card was stolen and they send statements of the account which has no idea of how to handle fraud properly or by law. Now the new debt collector calls daily, sends letters and I have told them the card was stolen and I have been through this 2 years. They have failed to help me and just send statements of the account they was used fraudulently. After several requests I have hired legal assistance because its absurd they are still trying to collect a back s they was stolen from me. It also has over {$400.00} in fees - the balance being {$570.00} they incorporated their cut and fees on a fraudulently used card. Its pathetic

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 2020-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have reported this as identity theft with the federal Bureau of Identity Theft and it was removed by and now it has been placed back on my credit report from a collection agency. I mailed my Identity report on XX/XX/XXXX. I was original from XXXX XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. 
Blakely-Witt Associates XXXX Which currently is reporting through your service : Account Status : Collection Payment Status : Seriously Past Due Status Updated XX/XX/2018 Balance {$1.00} This item Blakely-Witt Associates XXXX is inaccurate I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have disputed this item multiple times through your agency and even providing supporting documentation. I am requesting that the item be removed. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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:
On XX/XX/2020, I requested a quote, online, on the company 's ( XXXX XXXX ) website to research what my auto insurance MIGHT cost ( Quote Number : XXXX ). I haven't even bought my car yet, so I was definitely not REQUESTING insurance and I didn't sign up for insurance - I was simply trying to gauge what auto insurance might cost me where I live, based on the model of used vehicle I'm seeking. 

XXXX sent me an email on XX/XX/2020, informing me that, " We reviewed your credit report and obtained a credit-based insurance score based on information contained in that report. ... '' They obtained my data from Trans Union. 

This is absolutely illegitimate and illegal and was absolutely NOT authorized by me! And, Trans Union ( of whom I am a client! ) was not authorized to share my credit data/report at all - I did not sign anything with XXXX or Trans Union permitting this.

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX, I received a promotional offer via e-mail for opening a Business Fundamentals Checking account with Bank of America. On XX/XX/XXXX, I used the link provided in the e-mail to apply for this account and enroll in the promotion ( Promo code : XXXX  ). 

According to the terms of the promotion ( see attached ), Bank of America stated they would award me a bonus of {$300.00}, provided I meet the following requirements : 1. Open a new Business Advantage Checking OR Business Fundamentals Checking account by XX/XX/XXXX. 
2. Make qualifying deposits of at least {$5000.00} and five electronic payments within 90 days of account opening. 

My Business Fundamentals Checking account was opened some time between XX/XX/XXXX and XX/XX/XXXX. Initially, there was a technical glitch which did not properly attach the promotion referenced above to my account. I visited my local Bank of America branch and spoke to a helpful Assistant Branch Manager, who escalated the issue and was able to get the promotion correctly applied to my account. According to the attached documentation she provided, my account was enrolled in the promotion effective XX/XX/XXXX ( Promo code XXXX ). 

An attached screenshot of my account shows I met all of the above requirements for the promotion. A deposit of {$5000.00} was made on XX/XX/XXXX. This was within the 90 day period from the date the account was opened. From XX/XX/XXXX through XX/XX/XXXX, I made more than five electronic payments on my debit card. 

Furthermore, the promotion terms state : " We will make every attempt to deposit the earned cash bonus directly into your business checking account within 90 days from the end of your qualifying period. '' The last day to open an account in order to qualify was XX/XX/XXXX. 90 days from that date was XX/XX/XXXX, so we are past the point where the bonus should have been paid. 

Even though I met all the terms of the promotion, Bank of America has failed to post the {$300.00} bonus to my account. At the end of XXXX, I followed up with the Assistant Branch Manager at my local branch, who informed me that she escalated this issue for resolution. It has been over a month since that correspondence and she still has not heard back from the corporate office. 

Trust is an essential part of any business relationship. The lack of a response and action from the back office is beginning to make me question that trust. Bank of America has not fulfilled their promise of awarding the {$300.00} bonus they owe me for fulfilling the terms of the promotion.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Below is the dispute I sent to Comenity Bank, XXXX, XXXX  and XXXX  ( exhibits do not show ) but the info is there. I disputed the date of last activity and the way the account was reported. The date of last activity is not being reported as the same date on all credit reports. Nobody did an investigation. I checking my credit reports every day and account was never noted as disputed. This is a legitimate dispute. 





XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX RE : CB/XXXX   XXXX I am disputing the accuracy and completeness of CB/VICSCRT  XXXX. To demonstrate the account is not complete or accurate I have supplied : Exhibit 1 ( XXXX  reporting of this account ) Exhibit 2 ( XXXX  and XXXX  reporting of this account ) Exhibit 3 ( Metro 2 manual reporting guidelines for paid charge off account ) Exhibit 4 ( Metro 2 manual compliance code guidelines for reinvestigations ) This dispute letter is structured to send to original creditor, XXXX, XXXX  and XXXX  because the contradictory reporting is evidence to all parties, demonstrating a new investigation is required by all parties. In addition to the investigation being required, I am requesting the investigation be reported accurately according to Metro 2 manual guidelines ( Exhibit 4 highlighted in pink ) beginning with using compliance code XB. 
Exhibit 1 ( XXXX  lender report ) Exhibit 2 ( XXXX  and XXXX   Report ) Inaccuracies : 1. XXXX  ( Highlighted in yellow ) a. XXXX   reporting XXXX of XX/XX/XXXX. XXXX  reporting XXXX  of XX/XX/XXXX. It can not be both. I am requesting an investigation into the accuracy of XXXX. 
2. Account Status ( Highlighted in green ) a. XXXX  reporting Charged off Account. XXXX reporting Charged off account. XXXX   reporting Purchased by another lender. Exhibit 3 is from the Metro 2 manual. It outlines how a paid charge off account status should be reported. Should be account paid in full, was charge off. 
Incomplete : 1. Payment ( circled ) a. Scheduled monthly payment amount is blank. Exhibit 3 demonstrates this is incomplete. 










Exhibit 3 ( Metro 2 Manual reporting guidelines for paid charge-off accounts ) Exhibit 4 ( Compliance code conditions and reporting guidelines ) Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I'm unable to connect my XXXX acct with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
Last XXXX, XXXX, we received a letter from US Bank that our loan for a XXXX XXXX XXXX XXXX was paid off. My wife and I had not paid off the loan and spent many hours and phone calls notifying them this was a mistake or fraud. After many hours trying to straighten it out, they said they applied a loan payment to our loan from someone else on accident and that it had been fixed. Turns out it had not been fixed. 
Recently, XX/XX/XXXX, we decided to sell the trailer. After finding a buyer and taking a deposit to hold the trailer until title release, I took a cashiers check from XXXX XXXX to US bank to pay off the loan. The amount was {$20000.00}. That was on XX/XX/XXXX. They said they could not process the loan payment in branch or enter it into the computer. They gave me a handwritten receipt. After 8 days, the loan had not been paid off and the title had not been released. The branch manager notified me things were taking longer because of Covid issues. On Friday, XX/XX/XXXX, we spoke again and she said that their lean had been released to my wife and I accidentally in XX/XX/XXXX. I did not believe them and was very concerned because of what had taken place in XX/XX/XXXX with the false payment. I called a DMV registration services business and gave them the VIN #. US Bank had given lienholder status to the fraudulent company from the previous year and returned their false payment back to them in addition. We have been making loan payments to US Bank for 9  months and they had turned over lienholder status to a company named XXXX XXXX XXXX somewhere in the east coast back in XX/XX/XXXX. I called them and told them about the mistake but can not get any answers from them at this point. I do not know how to right this ship or get my title from them at this point. Needless to say, I am very angry.

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 2020-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastern Asset Services LLC
State: CA

Complaint narrative:
I was contacted by a woman named XXXX of " EAS ''. The phone number she called me from was out of XXXX XXXX XXXX Florida. The phone number she asked me to call back on was XXXX. XXXX told me that I had been reported to EAS by a company called Balance Credit - a payday loan company with whom I had received a loan in the past and currently have a payment plan set up to pay off my past due balance. As I was asking questions of XXXX about the reason for her call and what this matter was regarding, she cut me off and, as if she were reading a script, began to repeat how rude and dismissive I had been on the call and because of my dismissive attitude she would be reporting me for fraud and writing bad checks. I suppose my reluctance to provide her with my personal information without knowing who she was and why she was calling was interpreted as " dismissive. '' After berating me for a few minutes and not allowing me to get a word in edgewise, she ended the call by saying " this is fraud! good luck! '' and hung up on me. I tried calling the number back twice after that, and she continued to repeat how aggressive I had been and how she would be reporting me and that because this was a recorded line ( which she never stated up front ) that my rude attitude would be documented for the authorities. 

I am completely shaken. I've never experienced anything like this before - this company and this woman, XXXX, need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have submitted multiple requests to Transunion to remove a dismissed bankruptcy from my credit report. They receive their information from XXXXXXXX which contains incomplete and inaccurate information. It also does not provide complete SSN 's. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is their company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings.

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 2020-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
My car pyt was paid on due date of XX/XX/XXXX and cleared my bank. The Hyundai Motor Finance online shows my XXXX pyt as late and I have called them twice to complain. They say it is a computer klitch and they cant fix it. I said I dont want my credit report affected by this and they said they couldnt control that. I have never been late with any payments and I dont want my credit affected by this.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX XXXX XXXX XXXX open XX/XX/2016 {$22000.00}, my name is not correct.

Company response to consumer: Closed with explanation