vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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:
There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that XXXX XXXX XXXX XXXX unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.

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 2020-03-12 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:
There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian  they stated that XXXX XXXX XXXX XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian  have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by Experian  that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX  has no way of re-blocking the debt back. Which is odd because XXXX   have the ability to unblock and block accounts. Per Capital One they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by XXXX  that the account belongs to me. 

The Capital One accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore Capital One needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for.

A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt.

A copy of your state license, including license number.

If they can not validate these debts ; then these accounts will need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CO

Complaint narrative:
1 )  XX/XX/XXXX {$400.00} loan taken out with SPEEDY CASH. Loan Number : XXXX 2 ) XX/XX/XXXX {$70.00} payment made on loan XXXX 3 ) XX/XX/XXXX Loan paid off. Speedy Cash received ACH/EFT payment for loan number XXXX in the amount of {$380.00}. 
4 ) Early XXXX XXXX XXXX XXXX  XXXX contacts me about a delinquent debt with Speedy Cash. They do not offer to send written validation of the debt and threaten me with jail time if I do not pay. 
5 ) XX/XX/XXXX I call XXXX XXXX XXXX to get more information. They will not tell me the original loan amount, they will not send written validation, they say that they can accept payment of {$1000.00} today or send my file to XXXX County court. I ask if they need my address for a summons and they claim to not need to send me a summons. 
5 ) XX/XX/XXXX I call Speedy Cash. They ensure me that I only ever took out one loan for {$400.00} and it has been paid off. They are sending confirmation to me within the next 24 hours. 


Company info : 1 ) Speedy Cash XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I have had my Bank of America Visa credit card on autopay for two years ( since XXXX ). On the XXXX of each month {$100.00} is automatically paid to my account. I have not made a purchase on this my Bank of America Visa credit card in over two years. 

I recently discovered that every month since XXXX, Bank of America has been charging me XXXX XXXX month in late fees. I called their customer service line on Monday, XX/XX/XXXX to ask why and was told that my payment has been due on the XXXX of each month. Since my auto-payment has been applied to the account on the XXXX of each month, " technically I have been paying late. '' I was horrified. I asked him why there wasn't a grace period. I expected that there would be a 7, 15, or even 30 day grace period for payments. I didn't even need that. I literally was paying 24 hours late for over two years. He said that because I was paying late that the late fees could not be refunded. I also spoke with a " floor manager '' who reiterated that there was nothing he could do. He did, however, refund the late payment for XXXX ( due XX/XX/XXXX, paid at XXXX on XX/XX/XXXX ) and then he tried to shame me by telling me that I should make an effort to make my future payments on time. 

Because I set up my autopay so long ago, I do not remember the details of setting it up. I do, however, know that I've never received an email, a letter, or a call telling me that I have been making my payment 24-hours late. Instead, Bank of America continued to charge my card $ XXXX/month. I find this to be deceitful and a terrible way to treat a customer who has been paying diligently for years. 

I have attached copies of my payments for XXXX. I am unable to open my statements for XXXX, XXXX, or XXXX from the Bank of America website as it continues to give me an error message. I am, however, able to download my payments for the past 24 months and have attached those.

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 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DEPENDON COLLECTION SERVICE INC
State: IL

Complaint narrative:
Hi I had accident involving my XXXX  getting XXXX  went to XXXX  XXXX XXXX had massive bills but was able to work with them and get some of the bills reduced I had paid my medical bill on XX/XX/XXXX with Dependon and have proof on my statements proving I did I was sent to collections on XX/XX/XXXX with no warning and with having my bills payed for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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:
There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.

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 2020-03-12 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: GA

Complaint narrative:
There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
After Ally Financial Bank charge-off and also closed this account on the XXXX XX/XX/XXXX and sell it over to XXXX XXXX XXXX on the XXXX XX/XX/XXXX together with all my confidential personal information ( Federal crime and private right violation ), now Ally Financial Bank decide after my complain and disputes to report to the credit agencies Negative information for the month of XX/XX/XXXX. HOW IS IT POSSIBLE THAT AFTER ALLY FINANCIAL BANK SOLD THIS ACCOUNT AND CLOSED MORE THEN A YEAR AGO, NOW THEY STILL ARE REPORTING WRONG AND NEGATIVE ITEM ON MY CREDIT REPORT, AFFECTING MY CREDIT IN A NASTY  NEGATIVE MANNER AND IN CONSECUENSE ALL MY LOANS, CREDIT LINES AND CAR APLICATIONS ARE BEING DENIED DUE ALL THIS NEGATIVE REPORTING OF ALLY FINANCIAL BANK ON MY REPORT.

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 2020-03-12 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:
I am a victim of 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 2020-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.

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 2020-03-12 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my 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 2020-03-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, returning XX/XX/XXXX, and XXXX in XX/XX/XXXX. I applied for my SCRA benefits with USAA each time. The company did not apply the required 6 % interest rate to my account. They have not back dated the error sin XX/XX/XXXX. 

I have been charged XXXX in excessive interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On Saturday morning ( XX/XX/2020 ) i recieved a text notice of suspicious activity on my Wells Fargo debit card. 
Someone had withdrawn XXXX $ from a XXXX located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I called them and notified them that i did not make that purchase and and they said someone must have used a skimmer to steal my information and create a fake card and use it to steal the money and they would take care of it. 
Then earlier today Wednsday XX/XX/2020 instead of rejecting the transaction they approved it and also added a XXXX $ fee for using an out of network atm on top of it. 
I called to ask why and they said they had denied my claim and there was nothing they could do about it and that since a chip was used i must have done it myself and must be lying about it. 
I don't think they put any amount of effort into investigating my claim i think they could care less about their customers. 
I am filing a police report with the XXXX County Sheriff 's Office. 
Any assistance you could give me would be greatly appreciated. 
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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 Attempted to temporarily lift a credit freeze from all 3 credit bureaus using their websites in order to allow mortgage lender to check credit. None of them worked in spite of confirmations received that the freeze was lifted. Lender was unable to check credit. 

Calling them is difficult and frustrating. Their verification questions are old and improperly done. For example ; " which of the following was one of your employers? '' My wife and I were XXXX XXXX XXXX  but one of the choices was " XXXX '' which neither a word or an " employer '' so when you answer none of the above the whole online process ends and you have to send a form via snail mail requesting a pin which is returned to you via snail mail. This introduces significant delay and potential increases in loan costs. 

These companies have total control of our lives when it comes to credit. Their systems are archaic, call centers staffed with agents who are difficult to understand and their processes are very inefficient. 

They are not government agencies but they in effect have authority approaching that of the IRS as they can control everyone 's financial life. Far too much power to rest with 3 companies with no recourse to hold them accountable to the people whose lives they affect.

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 2020-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my 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 2020-03-12 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: NJ

Complaint narrative:
I am a victim of 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 2020-03-12 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: AZ

Complaint narrative:
Equifax is taking forever to dispute ... ... ... over two months

Company response to consumer: Closed with explanation