vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In summary, I need to know why my credit score dropped 78 points overnight. It was XXXX yesterday and it is now XXXX. 

I am a XXXX year old XXXX who is living with XXXX XXXX. I have a career, work hard every day and have never once in my life been in debt. 

I havent had a credit card account since about XX/XX/XXXX ( a very low-limit department store card ) and the only type of loan Ive ever had was to build credit, 6 years ago it was paid off & every payment was on time. That loan was with my credit union ( who Ive been a member with for going on 15 years ). 

Ive read all the articles, asked all of the questions that I could think of and did my best to figure out the cause of my score to drop almost 80 points in a single day, but to no avail. I have gone through my credit report thatIve obtained from XXXX, Transunion, XXXX, and XXXX ; it didnt take long, as the entire report could comfortably fit on to one page, and there is absolutely nothing new. 

I understand that having little to no credit keeps your score low and makes it virtually impossible to be approved for any type of credit card but78 points in 24 hours? What caused this? And why, after hours of research and calls and e-mails and studying practically-nonexistent credit histories am I still sitting here with more questions than I started with?

As a taxpayer, a good citizen and someone who is having a hard enough time as it is trying to move forward in life without having credit history, I ( at the very least ), deserve an explanation as to why my credit score dropped close to 100 points in a day. 

This is a complete exploitation and injustice ; what if I needed to accomplish something in the near future that requires a credit inquiry? Well, theyd see the XXXX credit score along with barely any credit history and then move right along to the next applicant. 

That is my complaint. 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 2021-10-12 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing and challenging Respectfully Experian, XXXX and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX  Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my XXXX that needs to be deleted, this derogatory item is not on my Experian or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and Experian, XXXX and XXXX has been sharing my information with other financial institutions and companies without my Consent.

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 2021-10-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: AR

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$8500.00} XXXX XXXX XXXX XXXX XXXX Page 1 of 3 XXXX XX/XX/XXXX, XXXX XXXX  Medical Services Obtained by the Thief Company or XXXX XXXX Organization : ADJUSTMENT C ( Original Creditor : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Other Identity Theft Company or Organization : Account Number : XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1000.00} Total fraudulent amount XXXX Date fraud began : Date that I discovered it : Fraudulent Auto Loan or Lease Total fraudulent amount : {$5700.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$41000.00} Fraudulent Auto Loan or Lease Company or the company Organization : Fraudulent Information on Credit Reports XXXX XXXX XXXX XXXX XXXXXXXX Page 2 of 3 XXXX XX/XX/XXXX, XXXX PM Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX Employment Information : VA COMPENSATION, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am a victim of identity theft. my credit cards and personal information was used without my permission This creditor is not only reporting fraudulent account but also aware that is account had fraudulent tranactions in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent tranaction and the accounts in dispute. I have never had any goods or services from these tranctions they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. the fraudulent Transactions was {$3100.00} i did not give any permission to charge my credit cards or use my personal for any reason.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC and BBVA bricked my bank account. They also misled and deceived me into thinking there would be no interruption of service when they knew there would be.

BBVA notified me via email on XX/XX/2021 that BBVA is merging with PNC, stating : " Its official, we can now share with you that BBVA USA is part of PNC. **There is nothing required from you. Continue to bank as you do. ** Over the next few months youll receive additional communications from PNC. '' ( ** indicates bolded original text. ) On Friday ( XX/XX/2021 ), when I tried to deposit several checks and transfer funds to and from the account, I found both the BBVA mobile app and their website to be in " view only '' mode. I have since been unable to use my account at all. They gave no warning ; in fact on the contrary, per the statement above in bolded text saying, " There is nothing required from you. Continue to bank as you do. '' That was, it turns out, totally misleading and deceptive marketing, and in fact is patently false. 

In trying to resolve the issue I downloaded the PNC app, hoping to be able to log in there, but after several attempts ( using the same credentials as I use to log into BBVA, per their instructions ) they froze my account. Scouring the BBVA website for any help, I found an FAQ article stating that as of Tuesday, XX/XX/2021, PNC would 'begin transitioning accounts. ' No indication as to when I might be able to use my account again. Checking their website again right now shows, " The conversion of BBVA USA customer accounts, products, and services to PNC is anticipated for XX/XX/2021. '' We're nearly halfway through XXXX. 

I have even checked my spam folder to see if I've missed any " additional communications '' from PNC as advertised initially, but there is nothing there. 

In short, BBVA and PNC bricked my bank account with all the money in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all 3 credit bureaus. I have called 12 times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make 3 or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped 10 points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked Transunion and XXXX to remove it until the dispute was completed but they did'nt. XXXX I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.

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 2021-10-12 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: MO

Complaint narrative:
Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all XXXX credit bureaus. I have called XXXX times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make XXXX or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped XXXX points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked XXXX and Experian to remove it until the dispute was completed but they did'nt. Experian I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and transactions are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
My mother passed away XXXX. She had the mortgage with XXXX XXXX, then it was changed to XXXX XXXX, then changed again to Nation Star. My mother had XXXX mortgages. The first XXXX she didn't know, so she did pay for and file homestead with local government. So she borrowed money again and refinance with whichever one of the names of credit company at that time. She had took out the insurance to pay off loan if something would happen to her, so I would always have a home to care for my XXXX  brother. When so did the second mortgage she told me that she had taking out the insurance again with the loan. Now that she gone, I can't find the paperwork and mortgage copy says theres no extra insurance. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 non-monetary relief
Consumer complaint received 2021-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2021-10-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been disputing and challenging Respectfully XXXX, Transunion and XXXX on the issues of debt collections and Charges Offs of XXXX XXXX of unknown debts of {$6000.00}, XXXX XXXX unknown debt Collection Charge Off of {$6200.00} and XXXX XXXX Charge Off of {$10000.00}. 
I don't have Auto Loans or loans with none of this companies and I don't owed them this debts. 

Also there is Bankruptcy on my Transunion that needs to be deleted, this derogatory item is not on my XXXX or XXXX credit Reports. Why is this Negative items are on my credit report.. 

I am XXXX Lifetime, XXXX. XXXX, XXXX and XXXX are trying to collect from my XXXX XXXX pension. income and Violating my XXXX XXXX Civil Rights Act under Department of Justice. 

Companies and XXXX, Transunion and XXXX has been sharing my information with other financial institutions and companies without my Consent.

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