vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-19 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:
ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations

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 2020-04-19 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 attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p,  approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXX all companies listed violated all the above FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: LEXISNEXIS
State: TX

Complaint narrative:
ftc violations attached and case studies pertaining to my case as follows : XX/XX/XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX 's violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p,  approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

The federal fair lending lawsthe Equal Credit Opportunity Act and the Fair Housing Actprohibit discrimination in credit transactions, including transactions related to residential real estate. ... Lending acts and practices that are specifically prohibited, permitted, or required are described in the regulation. ( violated my civil rights or lied to me ) Truth-In-Advertising. ... The Federal Trade Commission ( FTC ) regulates advertising and marketing in the United States and has the authority to file lawsuits and impose penalties against companies that do not comply with its rules. Generally, the FTC requires that : Advertisements are truthful and not deceptive.XX/XX/XXXXall companies listed violated all the above FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX  XXXX XXXX  # XXXX Date Opened:XXXX Balance $ {$640.00} XXXX  XXXX XXXX  # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date Opened:XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX open XXXX XXXX XXXX XXXX # XXXX Date Opened:XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} THE BUREAUS XXXX XXXX Open XX/XX/XXXX Balance {$370.00}

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 2020-04-19 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 pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted Transunion, XXXX  and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.

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 2020-04-19 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Since XX/XX/XXXX I am requesting Banco Popular to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/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 2020-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched ( Master Card XXXX ) XXXX ** DEBT DISCHARGED ( debtor not liable for debt ) Note phone number for info on this XXXX USAA recording states " Anyone trying to collect this debt is against the law '' see attatched FRAUD CLAIM VISA END XXXX DATE OF XX/XX/XXXX {$470.00} confirming Temporary Credits Made Permanet. Kindly Note date of XXXX XXXX XX/XX/XXXX. IT TOOK A YEAR TO COMPLETE THIS INVESTIGATION. NO TEMPORARY CREDITS POSTED TO MAKE PERMANET. When I tried ti Resolve Fraud on XXXX XXXX   end XXXX USAA BLOCKED ME SENDING ME TO COLLECTIONS ON THE MASTER CARD ACCOUNT THE DEBT WAS DISCHARGED CLAIMING I WAS LIABLE WANTING TO COLLECT. see ID THEFT XXXX ON XXXX card XXXX. Needless to say I was never able to resolve fraud XXXX XXXX end XXXX Reps XXXX, XXXX, ALL Confirm this card end XXXX IS DELIQUENT. HOW DID AN OLD DELIQUENT ACCOUNT OPEN A NEW ACCOUNT WITHOUT MY AUTHORIZATION? see NEW MASTER CARD END ( XXXX XXXX statement due {$100.00} ALSO DELIQUENT. see XX/XX/XXXX Confirmation XXXX XXXX end XXXX. This account was REPRESENTED AS DELIQUENT DESTROYING MY CREDIT ** FURTHERMORE WAS SOLD TO ANOTHER COMPANY TO COLLECT ** AND OPENED A NEW ACCOUNT WITHOUT MY AUTHORIZATION ( Master Card end XXXX XXXX CONFIRMING AND REPORTING THIS ACCOUNT DELIQUENT ALSO ** FURTHERMORE CREATES ANOTHER NEW ACCOUNT ( XXXX XXXX XXXXXXXX ) WITHOUT MY AUTHORIZATION. USAA DENIED MY FRAUD REPORT XX/XX/XXXX. USAA HAS HELD ME LIABLE FOR ALL THIS FRAUD OVER 10 YEARS DESTROYING MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CT

Complaint narrative:
During COVID19 the bank took XXXX dollars from me on an overdraft. We are in a time of crisis and this bank has decided to take the little money we have and say its for overdraft fees. I am a father and husband people rely on me. I want that money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX  # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the XXXX XXXX XXXX and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$640.00} XXXX XXXX XXXX # XXXX Date opened Closed. {$1200.00} written XXXX # XXXX Date XXXX Balance {$1100.00} XXXX XXXX XXXX # XXXX Date XXXX Balance $ {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Date XXXX Balance {$0.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Open {$1200.00} XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$370.00}

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 2020-04-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, XXXX, and Equifax to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted XXXX, Experian, and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.

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 2020-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan financial is reporting to all my credit bureaus that I have an open balance for Account number XXXX of {$1300.00} and monthly payments of {$430.00}. This is false and Nissan has agreed with me on the phone. I am kindly requesting they update my account as soon as possible to the bureaus. I have completed all lease payments and have 0 payments remaining as shown on documentation I am Attaching. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: TN

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian is reporting an account of mine as a revolving line of credit when in actuality it is an installment loan. I have the same payment every month and can not add to the credit. The XXXX XXXX XXXX of the English Language, 5th Edition defines revolving credit as : n. Credit repeatedly available up to a specified amount as periodic repayments are made. 
n. Any form of credit that does not have a fixed number of payments n. a consumer credit line that can be used up to a certain limit or paid down at any time In addition it states in the account notes " credit line suspended. '' Lastly, I have included a letter from the bank stating the conversion. Every other bureau has this reporting correctly. When I ask XXXX XXXX what the issue is, they state that Experian is reporting it incorrectly. When I question Experian, they blame the bank. I've been getting the run around for nearly 6 months now and it's time to stop. In addition, I have sent Experian at least 3 Identity Theft reports, but they continue to state they have received nothing. I have sent all three to XXXX. XXXX XXXX, XXXX, Texas XXXX the address on there website.

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 2020-04-19 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:
I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud

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 2020-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On Friday, XXXX XXXX I was searching for a dog through XXXX and after extensive research came across a post from someone who was located not that far from me. Because I found them on XXXX which is supposed to be a trusted website, I reached out to the seller. After talking all day, she made me feel like everything was fine and I would be getting a dog soon. Come time for payment she wanted to use XXXX as it is linked to her bank account. I was under the impression that because XXXX is linked to our banks, I would be protected and had nothing to worry about. I sent her half the amount for the dog of {$350.00} and would send the other half once the dog arrives. A few hours later she says she is getting him ready to be shipped to me and would need the other half of the payment. This raised a red flag and the person I was speaking to started sounding more and more suspicious. I refused to send her the other half and everything was supposed to be canceled and refunded. She showed me a screenshot of her sending my money back but it has been 2 days and nothing. I have tried messaging the seller and it has been silent. I can not get a hold of her now. I have tried contacting my bank, Wells Fargo, and so far they have not offered any solutions. If XXXX is linked to our bank accounts, I do not understand why we are not protected against fraud and scams. This makes people not trust the service.

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 2020-04-19 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:
I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19 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:
I Have No Knowledge of these Accounts, Why Are These Account On My Credit. I Did Not Give Any one Permission to Open Any Accounts Using My Personal Information these Accounts are Fraud

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