vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
This is my second complaint to CFPB about this issue. My credit card was fraudulently charged with hundreds of dollars of XXXX XX/XX/XXXX charges. I disputed the charges and Citibank did removed some of the disputed charges. However there is still approximately {$600.00} of fraudulent charges made AFTER Citibank discovered the fraud and had disabled the card. Every time I speak to Citibank they state they will reverse the charges but have not done so yet, and continue to charge me interest on XX/XX/XXXX fraudulent charges.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The XXXX XXXX XXXX Bank and the credit card companies have stolen my assets. My grandmother was XXXX XXXX XXXX and my Father was XXXX XXXX XXXX and I am XXXX XXXX XXXX. I have been searching for a resolution for 13 years and I've been given nothing but lies and wild goose chases from all entities. The issue seems to be too overwhelming for anyone to take action in my favor. I will start to post my bank statements and other evidence online so as to make the community aware of my wasted life and complete existence while someone else enjoys the spoils of my family 's blood, sweat, and tears. My family was ignored contractually and left to die I am the designated principal and last of my bloodline. The account has been given to every bank from here to New York. My expenses do not allow me legal assistance in this matter. Please help, I've been reduced by labels that do not describe the truth. I have suffered greatly, we have all been left without our investments by lies and excuses from the holder for 13 years. My SSN is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against Experian Credit reporting agency. Upon numerous calls and bounced back from XXXX agent to another, I finally got a rep named XXXX XXXX talk to me and she informed that she is working from home and really does not have all the tools. She had someone crying at the background and she put me on hold for a long time then told me that she can not do anything about this Collection agency, they purchased a 13 YEAR OLD ACCOUNT AND TRYING TO MAKE SOME MONEY ON IT. MS XXXX SAID THAT IS FINE, THEY ARE JUST DIRECTED TO DO WHATEVER THE CREDITOR /COLLECTION AGENCY TELLS THEM TO DO. 

THIS IS A FRAUD AND A SCAM TO COLLECT ON AN ACCOUNT WHICH IS ALREADY SETTLED 13 YEARS AGO, AND THEY ARE WANTING TO REOPEN AND MAKE SOME MONEY ON THIS OLD ACCOUNT

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have reached out to equifax concerning unauthorized inquires on my credit report. I also reached out to the creditors that has pulled my credit without my authorization and they were not able to give me any information nor did they have anything in there system regarding a credit application. All the inquiries listed below are unauthorized and need to be removed immediately! I take my credit seriously and I do not want to seek legal assistance but if this is not resolved I will be forced to seek legal representation. 

XX/XX/2020 XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX XXXX, XX/XX/XXXXXXXX XX/XX/2020 XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX XX/XX/2020 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020 XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/2020XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: MI

Complaint narrative:
On XX/XX/2020 I sent to Experian a packet including information regarding Identity Theft. In that packet was a copy of my identifying information, my FTC Report, a letter explaining the situation and a copy of my credit report with all information circled that was apart of Identity Theft including names, numbers, addresses and accounts. I received notice via email that the packet was received on XXXX XXXX. On XX/XX/2020 I called Experian to touch base with them regarding the status because I have already received a prompted update from the other credit bureaus but not Experian. Upon speaking with a representative on XX/XX/2020 she notified me that they have not received my identity theft packet even though I told her that I sent it certified mail and received notification that it was received by them on XXXX XXXX. So she then opened up a dispute for those accounts and information on XX/XX/2020. I contacted them several times after to get a update but was told no one received or started a investigation like I was told that would, Finally on XX/XX/2020 a Representative called me and was asking me questions to start the investigation that was suppose to start on XX/XX/2020. She requested that I send her a email with the information I sent in my packet and I sent it over to her immediately following our phone conversation on XX/XX/2020. I talked to them again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they have still failed to remove the information and accounts that were apart of identity theft. It is now XX/XX/2020 and I begin this process and sent it out to them on XX/XX/2020 and still nothing has been removed from my Experian Credit Report. I used my rights under the FCRA and asked Experian to block that information from my report until their investigation is complete and they have still refused to block the information. I also provided them all identifying information about me along with my FTC Identity Theft Report. According to the Fair Credit Reporting Act Experian had 30 days to complete their investigation and remove or update inaccurate information on my report. They are not complying with the law, I have been ignored and inaccurate false and fraudulent information still remains on my report 77 days later.

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 2020-11-11 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00}XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2200.00} XXXX XX/XX/XXXX, XXXX. 
XXXX {$470.00} XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS XXXX  {$350.00} DEPT OF VETERANS AFFAIRS XXXX {$120.00} DEPT OF VETERANS AFFAIRS XXXX {$470.00} -XX/XX/XXXX XXXX XXXX {$2000.00} -XX/XX/XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX {$770.00} XX/XX/XXXXXXXX XXXX {$390.00} U.S. DEPARTMENT OF EDUCATION XXXX {$3500.00} XXXX XXXX XXXX XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has the wrong name on file I sent in the proof of who I am and nothing has been fixed it's been over 9 months & it's stopping me from buying a home & Car I Contacted them over 70 times about this and nothing Changes my name is 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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Account from Portfolio Asset Recovery showed up on credit report without any notice. Company will not send me any information about the account. Not sure if reported account even belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: IN

Complaint narrative:
Received US Bank reliacard in my name without requesting. Long wait time to deactivate card.

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 2020-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 Toyota Motor Credit sent me a letter to collect the debt with amount is {$3600.00}. I respond to them that I don't have any account with them and my name is not the same as the person they want to collect the debt but they didn't respond to me. 

Today XX/XX/2020 I received a letter from XXXX XXXX XXXX XXXX attempts to collect the debt for Toyota Motor Credit, that debt not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: KY

Complaint narrative:
I have attempted multiple disputes with Equifax to have 4 accounts on old student loans remove from my report. Per the Department of Education loan rehabilitation program, upon completion, the old loans were to be removed from my report and the new holder of my loans replaced it. I have sent the letter to Equifax on 3 separate occasions asking for the accounts to be removed and they have not complied. 
It is ILLEGAL for Equifax to continue to report these accounts! I have enclosed a copy of the letter from the Department of Education instructing that the previous loans be removed from my report. Equifax claims to have " verified '' the accuracy of these loans, but this is not possible as other bureaus have already removed the accounts and there is proof that they have been instructed to remove the accounts by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi this debt is fraud - Ive already disputed and it was deleted due to fraud. The company XXXX collection was sold the debt from credence while credence knew the debt was flagged as fraud and deleted attached is the correspondence.

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 2020-11-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
on XX/XX/2020 I sent in a dispute letter demanding deletions from inaccurate information and accounts that are furnished on my credit report. It has been over 45 days and I have not heard anything back. I feel like my issue is not being taken serious. I am also a victim of the Equifax data breach. I have contacted Equifax, XX/XX/XXXX, and XX/XX/XXXX. All 3 bureaus are in violation the FCRA 1681B I DID NOT GIVE WRITTEN CONSENT FOR ANY OF THE ACCOUNTS IN DISPUTE TO BE FURNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) and Navient : Are reporting against my credit in XX/XX/2017, as a combined report. 
I just learned about this and could not dispute this. 

How are two different companies reporting late payments and why wasn't I notified? 

I need the following since all my student loans were all appropriately deferred in 2017, in all fairness, I am requesting the following ( original documentation for inspection at my home address ) verifying when these two separate companies, which are now combined on my credit report did any of the following : ( 1 ) When they contacted me in 2017 and what address they utilized to notify me ( both individually Navient and CES ) - original documents needed for review ). 

( 2 ) When they verify that they were a new loan server in 2017 and what address they utilized to notify me ( both individually Navient and CES ) - original documents needed for review ). 

( 3 ) I looked online XXXX and Navient are two different companies ; how, are both reporting the same XX/XX/2017 late payment??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CO

Complaint narrative:
For the last 4 years, I have a checking account with US Bank, which I seldom use. For the first time ever and most likely last, I encountered a negative balance because I accidentally specified the US Bank account as the account to pay my credit card balance. This is where I found about the deceptive, predatory, cunning money making practice of US Bank through overdraft fees. So I got email alert that my account has negative balance because of the credit card payment. I immediately transferred money from XXXX XXXX account into US Bank account to bring my balance positive. But it took 3 business days for funds to post to my US Bank account. During these 3 business days I found out about the disgusting tactic of US Bank for the first time to prey upon unsuspecting consumers and snatch their hard-earned money. They were charging me a overdraft fee of {$36.00} every day until my account balance became positive. Here 's how they did it. The very first time my account went negative balance, I got charged my first overdraft fee. The transaction was cancelled but then the same transaction got initiated 2 more times automatically and subsequently charging me {$36.00} in overdraft fee each time. And worst thing was that my credit card account was not even paid. Every time the money returned to my US BANK checking account. I have banked with other banks including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and none have ever done this scam ever in the name of overdraft. They charged a one-time overdraft fee and cancelled transactions. But US Bank kept automatically initiating that transaction and made a total of {$140.00} from an economic hardship suffering account holder in the deceptive practice. I was furious and called their customer service. After being on hold for 1 hour and 7 minutes, I got connected to an agent. After spending another 39 minutes with the agent, I only got one of 4 overdraft fees reversed. I filed complaint with XXXX XXXX XXXX and instead of fixing problem, US bank after 3 weeks sent me a letter that they did the right thing and instead sent me 50 or more pages of their phony agreements and marketing stuff, asking to open savings and credit card accounts to link to checking account for overdraft protection. This company keeps bragging about being the most ethical bank but their practice in my experience has been worst than XXXX XXXX and other banks. I simply want the unjust overdraft charges reversed. Please see attached image of transaction details. It is evident that they kept authorizing the same transaction to make money in overdraft fee where no other bank I have account with does that.

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