vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting an investigation against Experian credit bureau for deceived innocent and honest people by tricking them to pay money to them for generating their credit report and score. I paid them a few times because they said after paying I will be able to see my report and score, but unfortunately after paying with my credit card they said I don't have enough credit history or no credit file. This is from since last year until now. first they said after three months then when I called again they said after six months and now after six months they are saying I have to pay again before the system could generate my credit report and score. I have five credit card account on my credit file on XXXX  and XXXX XXXX from last year. 
I would appreciate if the government could really do something to stop these kind of corruptions and fraud by this credit bureau. thank you. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
sent the police report of the ftc violations please remove the ftc violations XXXX  chase XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an auto loan through Capital One Auto Finance in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and Capital One Auto Finance was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check Capital One received final payment for my loan. I called Capital One Auto Finance XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
sent the police report of the ftc violations please remove the ftc violations XXXX  XXXX capital one 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: DISCOVER BANK
State: TX

Complaint narrative:
sent the police report of the ftc violations please remove the ftc violations discover XXXX  XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
EXPERIAN XXXX  XXXX  ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX  AN ITEM REPORTED TO THE POLICE OR FTC

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 2020-02-28 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:
XXXX  XXXX  TRANSUNION ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC

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 2020-02-28 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:
XXXX  EQUIFAX XXXX  ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX. My complaint is that national credit services UNLAWFULLY seized my federal income tax RETURN in amount of XXXX I call the irs to check on my tax return and I was told that national credit services and us department of EDUCATION took all my money they claim that I owe them money I told the irs that I don't have any student loans with us department of EDUCATION and the collection agency that took my money UNLAWFULLY. The money that's own to them is my wife 's debt her social security number is XXXX name XXXX alty date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX she was on a forbearance and they told her that they will not take legal action. Regarding me XXXX XXXX my social security number is XXXX. They took money UNLAWFULLY from my accounts to pay hers. Her student loan is a individual 's account not joint. So us department of EDUCATION and national credit services did fraud to me. This is not my debt at all I'm the husband. I don't have any loan s with  them. Can you please recover my money. I also made a complaint toXX/XX/XXXXXXXX XX/XX/XXXXnews

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, surgeries and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

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 2020-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed XXXX XXXX XXXX XXXX account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: GA

Complaint narrative:
I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.

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 2020-02-28 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:
EQUIFAX XXXX XXXX XXXX VIOLATONS Fair Credit Billing Act FTC VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
XXXX TRANS UNION XXXX VIOLATONS Fair Credit Billing Act 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 2020-02-28 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: TX

Complaint narrative:
XXXX  XXXX XXXX EXPERIAN VIOLATONS Fair Credit Billing Act 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 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Went into a Check Smart store to draw out a XXXX dollar loan last year over the summer. ( dont remember the exact date or time. ) Insight Capital has taken a total of XXXX dollars instead of the XXXX that I owed Checksmart. The first transaction was made on XX/XX/2020 at XXXX they went into my account. Instead of taking out the XXXX dollars they had taken over XXXX. On XX/XX/2020 at XXXX theyve taken XXXX dollars out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/2020, I applied for a personal loan to consolidate debt at Well Fargo Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 Wells Fargo sent an e-mail stating ; " Thank you for your Wells Fargo Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to Wells Fargo getting the run around each time. I called XXXX  and requested a copy of my credit report and as of this writing I have not received a requested credit from XXXX. I have seen several gang members who seem to be cozy with Wells Fargo employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )

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 2020-02-28 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: SD

Complaint narrative:
On XX/XX/2020, I applied for a personal loan to consolidate debt at XXXX XXXX Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 XXXX XXXX sent an e-mail stating ; " Thank you for your XXXX XXXX Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to XXXX XXXX getting the run around each time. I called Equifax and requested a copy of my credit report and as of this writing I have not received a requested credit from Equifax. I have seen several gang members who seem to be cozy with XXXX XXXX employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Lost card for 48 hours didn't realize it and it was used by someone else. Reported to credit union and they said that debt was valid. Fraud can't be valid but credit union reported negative to credit bureau on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation