vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2019, I received a notice that my credit score with TransUnion had decreased by 65 points. I have not applied for credit or opened any new accounts. I've had problems with this CRA recently. A fraudulent account was opened in my name on XXXX XXXX. TransUnion failed to conduct a reasonable investigation. I disputed the account twice but TransUnion continued to report the account as a valid debt. TransUnion did not document the account as a disputed account. I filed an identity theft report on XX/XX/2019. The account was removed on XX/XX/2019. TransUnion increased my credit score twice after the account was removed. I'd like for my credit score to reflect the correct score, XXXX. Please see the attached documents.

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 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I use my app bank of America to sent they money via XXXX and the person never received the money ... 
I call the bank several time .we go at the bank too ... they review the third part account and the know that he never received that money But the bank don't want to give me my money back

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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( 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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CORELOGIC INC
State: OH

Complaint narrative:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( 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 2020-01-11 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: Allied Data Corporation
State: OH

Complaint narrative:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX Please remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-11 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX XXXX remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a victim of abused due to discrepancies on my credit report with Capital One Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on XXXX Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from XXXX  I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This Capital ONe Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this Capital ONe credit card account to be removed and deleted from XXXX  Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a US citizen1 year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2020-01-11 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 non-monetary relief
Consumer complaint received 2020-01-11 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of abused due to discrepancies on my credit report with XXXX XXXX Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on Experian Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from Experian I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This XXXX XXXX Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this XXXX  XXXX credit card account to be removed and deleted from Experian Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a XXXX XXXX year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit 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 2020-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have worked at the XXXX  XXXX XXXX for almost two years with more than 20 years of customer service experience. I can not believe that Equifax, giving the nature of its entity, has a huge amount of inconsistencies of information ( based on the slim you are able to even get any ) and you are in a forever loop of frustration as no one can help and no one can confirm anything even if you have numerous confirmation numbers, names/dates/pin numbers relevant to such, but one thing that is assured, every employee has the same robotic comment to my problem " they are so sorry, and would love to help me ... but. '' I'm a newly XXXX, single mother of XXXX and I'm about to loose the purchase of my first home for myself and my children due to Equifax and their sheer disregard for my dire need to address the issue as to why my score/credits, only for Equifax mind you, will not reflect on my report for my lender to access, only my debts are visible, yet after 3 weeks of battling who will help me, I finally was able to confirm a freeze had been lifted ( confirmation number in hand, and yes it still took 3 weeks before someone would verbally confirm it was actually removed ) but yet my score is still not visible, that being said I'm assuming only XXXX Equifax will only ever know as to why ( being a lender gets you no where either unless your paying for their services ) my information is not reporting. Now I have the painstaking task of telling my kids were not getting the house, as of yesterday its back on the market ( signed my first ammendment ) all because my information won't show up and no one will tell anyone why. Now I'm pretty sure even a fifteen year old can use common sense to question as to how ignorant that sounds. And yes, this will be the second house that has fallen through for us in the last year, first was negligence on my previous lenders intelligence. Thank you Equifax. Bravo. Happy New Year to you and yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello, I sent verification letters to both the creditor and the collections company that they sold the debt to. Neither of them have verified the account to be mine. Both companies have not submitted a signed contract that legally binds me to the debt question. The collections company sent me statements of the account in question in response to my verification letter. I have copies of the letters and certified mail receipts that my requests has been received by their company. The last letter I sent I explained that I intended to file suit for non compliance. I never once denied paying them. I wanted to show me proof that the debt is in fact mine for exchange of financial obligation. This is unlawful and falls under Consumer Protection afforded by the FDCPA under FDCPA Section 809 ( b ), XXXX opinion letter Cass from XXXX. I will file suite in my XXXX to make sure that this does not happen to others.. 

Creditor : Capital one Collection Company : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
XXXX XXXX  credit card company agreed that I would not have any fees of any kind. Then in XX/XX/XXXXthey reported XXXX late and dropped my credit score from XXXX to XXXX for a fraudulant charge that did not belong to me at all. I contacted XXXX XXXX and they are not doing anything about it. This is not fair to me and they know it I also canceled that card and demanded my credit score be returned to XXXX but they both just shine me on! and Iam extremely upset as I have been busting my XXXX to get a good score and XXXX XXXX   knows this! I will seek out an attorney if neccisary Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute on XX/XX/19 with the credit reporting agency TransUnion, because my XXXX XXXX  credit card account had no credit limit amount. That has been corrected because the dispute has been completed. The new problem is that the monthly reporting of historical payment history has been updated to show monthly reporting of unknown/not reported. This information is inaccurate and needs to be updated to show accurate historical payment history.

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 2020-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was 2 payments behind going on the third payment behind and just today XX/XX/XXXX early in the morning around XXXX XXXX  the bank of bmo sent the dealership repo told truck to get the vehicle and left and took it. I have previously contact them in XXXX and a few month back before XXXX of 2019 and the representative are very rude and very hard and they dont seem to understand customers financial hardship situations and I talk and have a conversation with an agent they get very aggressive and as much as u explain them what is going on they are very rude and they dont want to listen to you all they talk about is money rather than giving me the opportunity to talk and see my options to reduce my payment or get enrolled in to a payment plan or arrangement dude to my financial hardship situation. My income has been reduce and I am the only one working in my home at the moment but you know that XXXX and the winter time the jobs always slows down a lot and its out of my control I explained the representative and agent but it is useless they ignore u and all they want is money rather than listening to customer needs when you go to the dealership for The first time they convince people to buy but when you are struggling to make payments they turn they back and just give u the run around it is not the first time asking them for help and they refuse to do so. 
I have XXXX girls that me and Them Depend on the car and now that its snowing I need the car to take them to school and For me to get to work without the truck I cant take my daughters to school and I cant get to work ontime. Or drive to work as thery repo my car this morning it is not fair that they denied me any type of help payment arrangement any financial help to help me get caught or reduce my payments, It was useless the more I would say to them the more they would act XXXX and Laught at me thru the phone. Some of My kids are going to XXXX and need the truck to transport and the school Is a bit far and I have a XXXX XXXX XXXX who I also take to school and Drop Her off the Bank bmo didnt care at all.

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 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was approved for three separate loans from this company to finance the dentist   charges and All three debts Are Paid off In Full** This company makes monies by charging fees and or interests rates on loans Not Paid on their due Dates which I was and am Fully aware -so as not to incur any additional charges I inquired several times ( contacting this company ) of the third and last loan in Order to pay either on time Or in advance : I was told which dates to pay and complied ( BY PAYING ON THE DATES OF LOAN APPROVAL ) Also this company allows either 18 mos. to pay off Loans or One Yr. -I chose the One year plan in order to complete this transaction ASAP** Well after the loan was paid off ( 1-Year later ) I got charged late fees.. I contacted the company right away inquiring WHY? and was told it was due to late payments which I never received notices beforehand of such ridiculous tactics especially after paying All Three loans off in due season*** I could have easily re-adjusted the dates had I known or was warned beforehand** Each time of my complaint I was told they would forward my issue/complaint to the Sub-committe//Examining board for Review but each time NO feedback after 30 days explaining the unfortunate error* HOWEVER I Still received mailing of increased Amounts due***<><>< I will enclose messages of the conversation and summaries of the results each time Ive spoked with the Supervisor ( XXXX   ) and Representative ( XXXX ) including Dates************************** ******************************** I TT W ITH A SUPV ( XX/XX/2019 ' ) NAMED XXXX  WITH SYNCHRONCY BANK ABOUT LATE/INTEREST FEES THAT'S NOT DUE ON MY ACCT. @ THE BANK KEPT CHANGING DUE DATES WHICH I SUPPER IMPOSED IN ORDER NOT TO HAVE A LATE FEE FOR A YEAR. AND IN FACT I ACTUALLY PAID THE AMT DUE IN A YEAR VS. 18MO 'S OF THEIR INTEREEST FREE CARE CREDIT -I PD. THE AMT IN A YEAR. VS. 18MOS -THEREFORE THIS GOT TRF TO A COMPLAINT COMMITTEE-SHE SAID IT COULD TAKE UP TO A YEAR. *** I'M NOT TO BE C HARGED INT. ON THE SUPPOSEDLY BAL WHILE IN THE COMPLAINT COMMITTEE. -- WHAT'S THE RESULT**MY FIRST REP I TT WITH WAS XXXX WHO ASKED IF F I PAID {$84.00} HOW WOULD THAT SATIFY ME* XXXX SAID IF I PAID {$59.00} IT WOULD BRING IT DOWN TO {$180.00} AND SHE WOULD CANCELL THE DIFFERENCE FROM {$240.00} TO $ XXXX CALLED AND SPOKE WITH XXXX @ CARE CREDIT XX/XX/2019 ' THURS * @ XXXX AND SHE STATED SHE WOULD REFILE THE COMPLAINT AND THE PHONE DROPPED* SHE SAID SHE UNDERSTAND THECOMPLAINT TO BE '' I DON'T OWE A BAL. SINCE ALL HAS BEEN PAID OFF**><><>

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