vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 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: VA

Complaint narrative:
I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to 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 2020-12-05 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: VA

Complaint narrative:
I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX-XX/XX/XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: VA

Complaint narrative:
I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to 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 2020-12-05 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-05 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 disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX Please investigate and delete asap.

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 2020-12-05 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 disputed the following accounts directly with the credit bureaus but did not receive any response : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX  account XXXX 4. XXXX  XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-12-05 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 disputed the following false accounts on my credit report with the credit bureaus but have not received any response : 1. XXXX XXXX XXXX account XXXX 2. XXXX Credit Card account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: I.C. System, Inc.
State: CT

Complaint narrative:
A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.

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 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was appointed legal guardian & conservator of Ms. XXXX XXXX on XX/XX/2020. She has a consumer checking & savings account at Wells Fargo Bank. I met with a banker on XX/XX/2020 to a ) get added as an authorized user on the consumer accounts, b ) open a new conservator account, and c ) transfer money from the consumer accounts to the conservator account, leaving the consumer checking account open until I can get VA pension and SSA auto deposits going into the conservator account. Item ( b ) was accomplished. The bank told me their legal department would not approve adding me to the consumer accounts as an authorized user, nor transfer money to the conservator account. The bank wouldn't even allow for a {$25.00} transfer to open the conservator account ; I had to use my own money. The amount in the savings account is minimal compared to the checking account. I asked if the savings account could be closed and transferred to the conservator account so I would have cash to work with. This request was also denied. These accounts are the only liquid cash Ms. XXXX has. Her POA passed away in XXXX, 2020, and bills have not been paid since. I explained to the bank that it would take XXXX months at best to get the VA XXXX XXXX XXXX deposits transferred to the conservator account. By closing these accounts right away would cause the auto deposits be returned, and could be difficult to recover. I asked for special consideration to transfer money to the conservator account given Ms. XXXX 's financial situation. The banker said he would send a request to the escalation department.Ms. XXXX 's bills are deeply in arrears. The homeowner association fees have been sent to an attorney for collections. The utilities in her home were turned off due to non-payment ; I had to open new utility accounts in my name ( which is frowned on by the MN probate court ) in order to get the utilities turned on. The homeowners insurance has been canceled for non-payment & I will not be able to reinsure until I have access to the money. There is a large unpaid balance at the memory care location XXXX XXXX lives at, putting her in further jeopardy. I provided the MN statute for conservators to the bank, which states " ... ( 3 ) the duty to possess and manage the estate ... ''. I maintain Wells Fargo Bank is in violation of MN law. This is not the first time I, or my colleagues in the industry, have had these issues with the bank. I try to develop a professional relationship with the bank since they have a large presence in the community, though their actions make it most difficult.

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 2020-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I have been purchasing products online with the Swiss Colony for many years. 
However, when I logged into my account last month to purchase a new order, I saw a message below. I have not had a line of credit with this company since XXXX so I called them immediately. They claimed that the balance was still due and that I needed to provide proof of payment before they would update their system. I explained to them that I would not have proof from almost 25 years ago and that they could not legally collect the money after 7 years. I was told rudely, that it was on me to provide proof of payment. I pulled my CBR and did not see the amount on it. But, I am concerned that what they are doing is illegal. 

ALERT : Your account is 480 days past due. In order to make your account current, please make a payment of {$34.00} or call our credit department at XXXX. 
XXXX XXXX Account # XXXX Change Account Plan A Credit Status as of XX/XX/XXXX Available Limit {$0.00} Balance {$35.00} Credit Limit {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: IL

Complaint narrative:
I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX  personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: IL

Complaint narrative:
I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX  XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX personal loan opened XX/XX/XXXX balance {$24000.00XXXX XXXX XXXX credit card opened XX/XX/XXXX balance {$2700.00} XXXX XXXX  opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.

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 2020-12-05 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: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: CT

Complaint narrative:
A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
A charge was placed on my account wrongly for {$97.00}, from a transaction through XXXX. This transaction was on XX/XX/2020. I alerted XXXX and my bank Capital One on this charge. After I contacted my financial institution. My bank filed a dispute on my behalf on XX/XX/2020. After going back and forth month after month. Capital One, resolution was to apply a temporary credit to my account on XX/XX/2020 for {$97.00}. This was then reversed on XXXX XXXX. I've reached back out to the bank and spoke to a representative requesting for this charge to be re-investigated. After multiple attempts, requesting answers to why and where this charge derived from. It was brought to my attention that an adult bike was purchased through XXXX for {$97.00} and was delivered successfully in my mailbox. I mentioned on multiple calls that I don't know the recipient, nor I didn't make the purchase. In addition, it is impossible that a bike can be delivered in my ( mailbox ). My last call on XX/XX/XXXX, I called customer service to dispute their credit reversal, again. This is when I requested to speak to a supervisor and after this conversation felt that Capital One has no attention of trying to help me or listen to my concerns. Furthermore, I feel discriminated against and still in the process of trying to resolve this matter. As an additional credit reversal has been applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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 disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX  XXXX account # XXXX XXXX. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

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 2020-12-05 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 disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX* 3. Accounts XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: IL

Complaint narrative:
I SENT TO XXXX XXXX TO REQUEST VALIDATION OF THE ACCOUNT AND THEY SEND ME BACK JUST A COPY OF THE TRANSACTION AND THE AMOUNT WITH NO SIGNATURE AS I REQUESTED IN MY VAILDATION LETTER TO SHOW THAT I OWE THIS DEBT WITH MY SIGNATURE AND THAT WAS NOT THE RESPONSE I RECEIVED. IT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS AND THAT IS AGAINST THE FCRA LAW TO REPORT SUCH IF CONSUMER BARES NO SIGNATURE OF BEING RESPONSIBLE FOR SUCH TRANSACTION. I REQUESTED A VAILDATION 3 TIMES AND THEY FAILED TO SEND ME ANYTHING WITH MY SIGNATURE STATING THAT I AM RESPONSIBLE FOR THE ALLEGED TRANSACTION.

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had replied to an offer I received through my XXXX  Co-op membership for an XXXX XXXX XXXX XXXX offering 0 % balance transfers. I applied and recieved approval for the card and the account on XX/XX/XXXX by email. I also received a phone call about authorization for balance transfers on XXXX XXXX, and I agreed to the transfers I had requested. There was no mention of an increase in the balance transfer rate during that call. 

When the first transfer showed up on the US bank statement, it showed an 11.99 % interest rate. This was not mentioned in the authorization phone call, or by email, or in any other written communication. I called today XXXX XXXX XXXX ) and was told I had not qualified for the 0 % interest balance transfer. Fortunately, since the process was so slow, I was able to cancel the second of the two transfers I had requested. I am still charged the transfer fee of {$100.00} plus {$3.00} of interest for the first transfer. I spoke with a fraud resolution specialist named XXXX, who did not acknowledge fraud, and agreed to cancel the remianing transfer, but did not offer a repayment of the balance transfer fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief